My native language is not French, but if I understood you correctly, you are looking for a pillar 3a solution with 50% stocks and 50% fixed income (cash or bonds). You are coming from some Swiss Life mixed life insurance and investment product (those are nearly always a scam).
You try to educate yourself on your financial affairs. Congratulations, doing so is the best investment you will ever make.
As you know few, the improvements will be large, clear and easy to reach. But beware of scams. If something is too good to be true, it probably isn’t.
If you have an investment horizon of 30 years, 50% fixed income seems too conservative. Just to put things into perspective: Over any 25 years since 1885-03-20, the 500 biggest US companies (blue) have returned more than US inflation. The same can’t be said about USD cash (red). And only for 4 months during the great depression were cash or 50/50 slightly better:
But if you don’t want to hold cash (but bonds, or more stocks), then VIAC (or VZ) clearly doesn’t beat Finpension in cost. Truewealth has even lower fees for now (0% management + any fund TERs). But this doesn’t pay for itself, so they might end it at any time.
I think Finpension has the best offer on the market. Try to find out why that could be or pay some advisor to help you. But as with life insurance: Don’t buy intransparent services. Separate the components. Pay someone to give advice only, but don’t let them sell you their own products, or attach their name to a deal.
This is very much not a solved problem in Switzerland. Others were looking for this service and found nothing either:
But you could try VZ, tell them up front:
you won’t to buy any of their products, even if they are potentially better
you won’t let them sell you anything, nor put their name on a deal
you are ready to pay for their time, and come back if it was worth your money
Then make sure:
you have an idea of what you want to know
they explain why something should be done (vs the alternative)
you understand their explanation
you get a second opinion (maybe on this forum)
(give something back by describing your experience if you try this)
In general this forum is somewhat biased towards aggressive but rational accumulation. This is not suitable for everyone. But for learning how things work, and what products exist, it works well enough. In my opinion we still maintain enough diversity, knowledge and culture to challenge all ideas posted here. Scams and wrong information is flushed out, and things are are looked at from many angles, finding the edge cases.
It takes time, but by researching the concepts you read here but don’t understand, you will save a lot on expensive advisors, and even more with making good decisions.
Durch das Lesen und die Teilnahme an diesem Forum bestätigst du, dass du den auf http://www.mustachianpost.com/de/ dargestellten Haftungsausschluss gelesen hast und damit einverstanden bist.
