Please help me choose pillar 3a funds (pension funds, currency, hedging, avoiding CS)

[Burningstone]

@assemblyrequired

So finpension is actually doing something illegal by allowing me to have unlimited unhedged foreign currency exposure?

No, not at all. There’s no law that requires individual investors to have a certain % hedged to CHF. There are the BVV2 rules that apply on a foundation level, but you as an individual investor don’t need to care about that.
However, VIAC limits your foreign currency exposure, while finpension doesn’t.

@xmj

you don’t take into account the legally mandated minimum exposure towards Switzerland of 40%

Where is that stated? Please show me the law? That’s just not true, I work at an investment foundation and this would be news I have 99% invested in the World ex CH Quality fund, which has no CH exposure at all (as the name says ;))

@assemblyrequired

But do they offer any advantage over Swisscanto (or UBS with finpension)?

There are slight differences as explained here, however at the end of the day the differences are negligible. I choose CS at finpension because they are the only ones that have the World ex CH Quality fund.