3a from PostFinance to Finpension - which Finpension strategy

Finance, Taxes, Banking, Insurance and Retirement
1

Hi all,

This may be my first or second post here.

I should start by saying that I’m very much a novice when it comes to investing. That said, I’ve been reading “Simply Stock Trading” and I am genuinely impressed by the depth of knowledge on this forum.

I would really appreciate some advice.

I started contributing the maximum to a PostFinance Pillar 3a in around 2013. At the time, I kept everything in cash because I didn’t even realise investing within a 3a was an option. A colleague suggested I should have more than one 3a account, so I opened additional accounts, but they all remained in cash.

In 2020, after doing some reading, I moved my 2 accounts into the PostFinance ESG 100 strategy. I currently have four separate 3a accounts, all invested in the same strategy. The two oldest invested accounts have grown by around 65% since then.

More recently, I have been looking into retirement planning in a bit more detail. One possibility is to retire abroad and I have read that the domicile of the 3a foundation can matter from a tax perspective. For that reason, I am considering transferring my 3a to Finpension.

My dilemma is choosing the right investment strategy. I know I want to remain 100% invested in equities, and I have learnt in “Simply Stock Trading” that broad sector diversification is important. Beyond that, I am rather out of my depth.

If you were in my position, with roughly 13–15 years until retirement, which Finpension strategy would you choose, and why?

Many thanks in advance for any guidance.

2

Finpension is a great choice.

Finpension offers a 100% equity strategy. If you would like to preserve the ESG component, there is also a 100% equity strategy with ESG available. Did you look at these two strategies? These are very good strategies if you want to broadly invested in 100% equity.
As for myself, I have a custom strategy at Finpension with only one fund: UBS (CH) Index Fund 3 - Equities World ex CH NSL I-X-acc. For me this minimized rebalancing costs while keeping a good worldwide exposure. I compensate the lack of Switzerland with a Swiss overexposure in my other investments.