Pillar 3a : finpension or cantonal bank (Swisscanto fund)

Banks, Insurances & Third Pillar
21

finpension has access to the institutional funds (they are a “Vorsorgeeinrichtung” after all). but yes, I also don’t think I saw that particular fund in the list.

Personally I would never pick that fund, and pay 0.40% TER just to get 0.66 % Money Market, 2.48% Real Estate and 2.5% Commodity exposure in addition to the Swiss and World stock market (which might be the reason finpension doesn’t offer it). To be honest that fund looks like a product I would expect ZKB to try to push to it’s clients.

1 Like
22

You are right. By the way, the Swisscanto (CH) IPF III Vorsorge Fonds 95 Passiv NT CHF (ISIN CH0512157782) is part of the FRANKLY solution, but for that you pay all-in-one-fees of 0.44%.

1 Like
23

So ZKB first takes 0.44 % via FRANKLY, and then 0.02 % via Swisscanto, plus potentially buy/sell- and forex fees.