3rd pillar in the stock market

[Investissor]

Hello everyone, hello Jerome,

I hope you are well. I assume that you all have a 3rd pillar. Banks offer solutions with their own investment funds. But these are generally funds with a TER of 1.5% of fees, composed of other funds (UBS, iShares or other), which themselves have a TER of 0.5 to 1.5%. It is a cash cow for fund managers and banks.

Do you know of a bank that offers a 3rd pillar solution (therefore deductible) but with "direct" ETFs? I saw that SwissCanto offers this type of fund in passive management for example. Up to 0.5% max fees.

Good day

[Jerome]

Hi,

have you been eyeing VIAC?

[Thierry]

Hi,

I was also going to suggest VIAC.

Raiffeisen also offers index funds (passive management), but with slightly higher fees, unless I'm mistaken.

Good day.

 

[Investissor]

Hello, thanks for the reply. So I went to see Viac. You are right, but my problem is that the ETFs used come from a bank whose viability is compromised… Let's say that it is the establishment whose stock is no longer worth more than the price of a coffee.

On the other hand, I finally found a solution with the passive, non-synthetic swisscanto funds that I was looking for. It is directly with the ZKB pension fund. Or their Frankly app.

Good evening

[Author]

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