Essentially no limits on Viac non-mandatory. See also my other response to @Brndete I made a few minute ago above.
I don’t know what information has to be shared during the transfer for legal reasons, but here is what I found out during my transfers of Pension Fund money from my old pension fund to VB of Viac and Finpension.
I transferred half my PF to Viac and half to Finpension I. The mandatory/non-mandatory split was 40:60 in both halves. My PF said the 40:60 split was defined/fixed. The 50:50 split to the 2 providers was free for me to choose, I could have chosen 100:0, 20:80 anything, but both would contain 40:60 mand/non-mand.
Viac (50% of my Pension Fund money)
Viac states the following for transfers to its VB accounts, on the “transfer form” that they give you to give to your Pension Fund.
"WICHTIG Die bisherige Freizügigkeitseinrichtung/Pensionskasse wird gebeten, an folgende Adresse:
*Freizügigkeitsstiftung der WIR Bank, Team VIAC, Postfach, 4002 Basel *
eine detaillierte Austrittsabrechnung mit mindestens den folgenden Angaben zuzustellen
*- Obligatorischer Anteil der FZL *
*- FZL im Alter von 50 *
*- FZL bei Heirat / Eintragung *
*- Datum Heirat / Eintragung *
*- Daten zu WEF-Vorbezügen *
*- Daten zu WEF-Verpfändungen *
- sowie Einkäufe
Ist der Transfer bei VIAC eingetroffen, liegt das Geld auf dem Durchlaufskonto. Sobald eine detaillierte Austrittsabrechnung der bisherigen Vorsorgeeinrichtung vorliegt, wird die Einzahlung dem Segment Obligatorium bzw. Überobligatorium zugordnet. Nach der Zuteilung wird das Geld automatisch mit dem nächsten wöchentlichen Trading Day in die gewählte Strategie investiert. Ohne Erhalt der Austrittsabrechnung erfolgt keine Zuteilung und somit auch keine Investition."
My Pension Fund initially didn’t (or not in the form that Viac wanted) inform Viac of the Mandatory/Non-mandatory split of my funds, the funds were frozen for a few days, and only a week later it was invested.
As my Pension Fund was that of a big SMI company (who should get things right the first time), I’m really not sure if all this info is “standard”.
My VB at Viac is in one Stiftung, with two segments, and one can choose different strategies per segment. The mandatory has some limitations (max. 80% shares), the non-mandatory has no limitations that I am aware of. I, however, have chosen strong Swiss-bias at Viac due to FX costs, so have CH funds of >50%, so may simply not be aware of some CHF limitations.
These VB funds in 2 segments at Viac are not split (in the sense of “splitting”), they are at 1 Stiftung and when I transfer to a new employer, or get it out at 65 y.o., it is one pot with the information Mandatory/Non-mandatory split 40:60 “attached” to it.
Finpension (other 50% of my Pension Fund money)
Fp most probably got the same initial information from my old Pension Fund as Viac, but invested the funds on Day 1 in one pot and never asked about the Mandatory/Non-mandatory %.
I’d say, Finpension does not know these man/non-man %. Although it could be that they invested on Day 1, while clarifying this information with my old P.F. As there is only one pot, it is not essential to know on Day 1 (unlike Viac).
When withdrawing, it will be in one pot, maybe with the information Mandatory/Non-mandatory split “attached”, maybe without this information?
but Viac VB has a management fee of about 0.4% p.a. for high-stock-fund strategies. It’s very comparable to their 3a fees. It’s actually capped at 0.4% (which includes management fee, transactions, external fund costs, but probably not FX (?))
the fees are proportional to your fund-invested amount, the fees increase approximately linearly from 0% for 100% cash to 0.4% for 25% cash / 75% invested. Thereafter (at >75% invested), it is flat i.e. the fees are capped at 0.4%.