Not much info in that article unfortunately, nothing on what or why.
Have they hired some of those available Credit Suisse deal finders? ![]()
+9.6% on my Finpension Freizugigkeitskonto this year (a few more days to go;))
- Customized strategy
- Substantial part (20-30%) held as cash
Better than any of the past years with Swiss Life (which my former employer used).
If/when I do work full-time again in Switzerland, I’m going to be paying much more attention to the related pension fund.
- 7.5% in my pension fund
- 10.6% in my Finpension FZK
Some more infos from Finanzfluss here:
Crazy concentrated investments into projects that went belly up.
Can you have a Finpension FZK while being attached to a pension fund? Thought that is mutually exclusive?
Not supposed to, but rarely enforced. (Unless you’re drawing benefits, pension funds won’t care, if you end up triggering disability/survivor pension they could likely have a claim tho)
Fwiw upcoming changes will likely make this not possible (pension funds will be required and able to force a transfer).
Well in a way yes. Change employer, transfer 2nd pillar assets to Finpension, play stupid, profit.
Finpension FZK LTD (since 06.2020): +67%
… aka The Smart Money™.
I’ll see myself out.
Wow, what strategy for Finpension if you don’t mind to share?
Mostly a replication of VT. Slightly higher (3-5%) US exposure.
What funds did you pick? I have a mix of UBS World ex-CH unhedged and UBS World ex-CH Quality unhedged, but my returns for 2025 are well below your %.
It used to be CS and then I switched everything into Swisscanto funds.
That’s totally normal as in 2025 the USD lost a lot of value. If you hold unhedged funds (based in USD), you already lost over 12% in CHF. ![]()
For comparison, my monthly VT order (not in 2nd pillar or 3a) landed at 8.96% return in CHF for 2025. If you went for the Switzerland only strategy at Finpension/VIAC you would be at 11.8% return in CHF for 2025.
Under my full insurance pension solution, who knows what the performance is but capital is fully preserved and a dividend was booked at roughly 1.9% of the value at the end of the year. A slight increase of the roughly 1.7% dividend the year before.
My 2 Pillar will provide a return of 5.5% - I am quite impressed with it, I expected a lower interest rate.
A nice surprise
Not a major part of my wealth since I still am quite young
my pillar 2 managed by AXA collective fund interest for 2025 (extra mandatory portion) only 2.25%, as of Nov YTD the fund performance was a measly +5.2%
I think VT from Jan to Nov, wasn‘t that crazy much more in CHF.
IBKR says TWR from Jan-Nov was 7.19% in CHF.