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.

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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%.

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23

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

24

I have received more info. Sadly the Swisscanto fund 95 they offer is another one at TER 0.4% (51196142). The one I mentioned goes to qualified investors. Add the 0.3% custody fee you end up with 0.7%. No transaction fees but overall less interesting than finpension. They also offer some in-house (actively managed) funds with max 50% allocation to stocks and TER 0.79% (no custody fees in that case, but some small transaction fees).

All-in-all, fees at finpension remain lower :wink:

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25

Unfortunate. Is there really nothing competitive with Finpension and VIAC?

26

I consider True Wealth and frankly competitive, but I prefer the fund options offered by VIAC and finpension.

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27

I guess TW is good for normal people and not FIRE freaks who want to geek out on it.

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