What is your second pillar performance?

Not much info in that article unfortunately, nothing on what or why.

Have they hired some of those available Credit Suisse deal finders? :smiling_face_with_horns:

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+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.

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  • 7.5% in my pension fund
  • 10.6% in my Finpension FZK
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Some more infos from Finanzfluss here:

Crazy concentrated investments into projects that went belly up.

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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).

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Well in a way yes. Change employer, transfer 2nd pillar assets to Finpension, play stupid, profit.

Finpension FZK LTD (since 06.2020): +67%

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… aka The Smart Money™.

I’ll see myself out.

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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. :sleepy_face:

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.

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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 :wink: Not a major part of my wealth since I still am quite young

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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.

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