I just recieved my pillar2 statement for 2017 and it is horrifying:
they managed to grow my stache by 0.9% (substract 0.5% inflation…) where VT went up 22%. Of course the don’t put 100% equity in, but… 0.9%! And i am kinda legally forced to sufer from that
so, since i will leave my current employer in the next months, i will first try to get the money out of pillar 2 (self employment, real estate purchase,…). if this fails, i can use one of the BVG funds that allow at least 45% stocks.
the typical bvg 45 funds made accordingly ~8% last year, which is a ‘bit’ bettert than my pension fund:
- CSA Mixta-BVG Index 45 Credit suisse
- UBS AST BVG-40 Indexiert (hedged in CHF) I-A1 UBS, not exaclty shure if this is the right one
- Swisscanto BVG 3 Index 45 RT CHF Swisscanto. There is an AT and RT version where i have not found any difference so far other thatn 0.3% in TER
Anyone has experience with this?
any other 2nd pillar funds with >40% stocks?