Which strategy for my 3a VIAC account?

Investing / Portfolios
1

Hello everyone,

I am 25 years old and completed my studies this year. I am interested in opening my first 3a account for tax purposes. I have decided to open it with VIAC.

I am seeking advice and assistance regarding the different strategies available. Should I opt for Swisscanto or Credit Suisse?

Moreover, I am hesitating between choosing the Global 100 or Global Sustainable 100 option. Which one would be more suitable for me?

I would greatly appreciate your advice as I am feeling a bit unsure about what to decide.

2

Using a search function could help - discussed in different places around the forum

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4

Actually, I did not find a clear answer to my questions when I searched.

Back in march, there was a lot of discussion about switching from Credit Suisse to Swisscanto but I did not find which one I should pick to start.

Additionally, I did not see any topic explaining the difference between global 100 and global sustainable 100.

5

The difference between the funds of the two providers is negligible. There’s some useful information about the subtle differences here → VIAC- swisscanto vs credit suisse performance - #3 by TeaGhost

The sustainable ones use “ESG” funds, personally I wouldn’t use them as it is in my opinion just a marketing trick to get more fees from clients, read up on greenwashing.

4 Likes
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I‘m still with CS. Will that eventually change to UBS? Any downside to just keep CS so far?

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Thank you for taking the time to answer my questions. I chose the Global 100 with CS. Your help is greatly appreciated.

8

Sooner or later ot will change to UBS, but that will probably take a few years.

No, I don’t see any downside. I rather see a downside switching, as you will pay subscription and redemption spreads to switch.

1 Like