Strategies Offered
Serial winner: 2019, 2020, 2021 and 2022 in the big pillar 3a fund comparison of Handelszeitung!
The VIAC strategies have now been chosen as winner 4 times in a row by Handelszeitung! All tested strategies achieved a “very good” (12x) and we were the only provider to even score 3x “excellent”! You too can rely on the excellent and cost-effective strategies of VIAC:
Investment Focus: Global
| Strategy | Factsheet | Equity Weight | Year-to-date | Total Costs* | Base protection** |
|---|---|---|---|---|---|
| 3a account (0.20% interest) | – | 0% | 0.11% | free | – |
| Account Plus Global | December 2022 | 5% | -0.8% | free | inclusive |
| Global 20 | December 2022 | 20% | -5.3% | 0.17% | inclusive |
| Global 40 | December 2022 | 40% | -8.8% | 0.28% | inclusive |
| Global 60 | December 2022 | 60% | -12.2% | 0.40% | inclusive |
| Global 80 | December 2022 | 80% | -15.5% | 0.45% | inclusive |
| Global 100 | December 2022 | 99% | -16.5% | 0.45% | inclusive |
Investment Focus: Switzerland
| Strategy | Factsheet | Equity Weight | Year-to-date | Total Costs* | Base protection** |
|---|---|---|---|---|---|
| 3a account (0.20% interest) | – | 0% | 0.11% | free | – |
| Account Plus Switzerland | December 2022 | 5% | -0.6% | free | inclusive |
| Switzerland 20 | December 2022 | 20% | -5.2% | 0.17% | inclusive |
| Switzerland 40 | December 2022 | 40% | -8.6% | 0.28% | inclusive |
| Switzerland 60 | December 2022 | 60% | -11.8% | 0.39% | inclusive |
| Switzerland 80 | December 2022 | 80% | -15.9% | 0.46% | inclusive |
| Switzerland 100 | December 2022 | 99% | -17.7% | 0.47% | inclusive |
Investment Focus: Sustainable
| Strategy | Factsheet | Equity Weight | Year-to-date | Total Costs* | Base protection** |
|---|---|---|---|---|---|
| 3a account (0.20% interest) | – | 0% | 0.11% | free | – |
| Account Plus Sustainable | December 2022 | 5% | -0.8% | free | inclusive |
| Global Sustainable 20 | December 2022 | 20% | -5.8% | 0.18% | inclusive |
| Global Sustainable 40 | December 2022 | 40% | -9.5% | 0.30% | inclusive |
| Global Sustainable 60 | December 2022 | 60% | -13.2% | 0.42% | inclusive |
| Global Sustainable 80 | December 2022 | 80% | -16.6% | 0.52% | inclusive |
| Global Sustainable 100 | December 2022 | 99% | -17.5% | 0.53% | inclusive |
* Total costs include the external product costs and the VIAC administration fee. The VIAC administration fee covers custody, administration and transactions and amounts to 0.52% per year. For a given strategy, the fee is charged only on the portion of assets that the strategy invests in equities, real estate, commodities, …, not on the portion of assets that the strategy assigns to the interest bearing savings account. As a result, strategies that invest more into the savings account have lower total costs. The effective administration fee is further limited to a maximum of 0.44% by the fee cap.
** In the event of disability or death, you now receive up to 25% in addition to your pension assets. For every CHF 10’000 of assets invested in securities (calculated on the basis of the previous month), VIAC will provide you with free insurance coverage of CHF 2’500 (max. CHF 250’000) in the event of death or disability (70% – degree of disability). You can find more information in the app under the product VIAC Life.
Selection Process
The Terzo Pension Foundation of WIR Bank has applied the following selection criteria to determine the index investments used:
Benchmark
Each index investment is strongly oriented towards an underlying benchmark index. In order to ensure that the individual strategies are globally diversified and sensibly distributed according to asset classes and regions, the appropriate benchmark indices must be selected beforehand. Note that this preselection is not always obvious: For example, the SMI, SLI, SPI and SMIM all reflect the Swiss stock market, but they all differ greatly in terms of diversification and risk/return profile.
Quantitative Characteristics
In order to reflect the preselected benchmark indices as well and as cost-effectively as possible, the following quantitative criteria are used: product fees, trading liquidity, tracking error (deviation from the benchmark), and trading spread. These characteristics are regularly checked and guarantee an optimal and customer-oriented choice of the index investments used.
Tax Influences
In addition to quantitative criteria, tax influences also play an important role. Index funds are a major part of the investments used. These are not traded on the stock exchange and are therefore not subject to stamp duty. In the case of the remaining investment products (ETFs), stamp duty is due, but it is also reduced by VIAC’s intelligent offsetting system (see Academy).
Replication
Last but not least, the type of replication also influences the selection. Where possible, physically replicated funds are implemented. They effectively invest in the stocks of the underlying benchmark index. Investments in synthetically replicating products are avoided if possible since they are exposed to counterparty risk.
Asset List
| Name | Details | ISIN | Currency | TER | Factsheet |
|---|---|---|---|---|---|
| Liquidity | |||||
| 3a Account | Liquidity WIR Bank | – | CHF | – | – |
| Bonds Switzerland | |||||
| CSIF CH Bonds AAA-AA | SBI AAA-AA | CH0033846350 | CHF | 0.00% | Factsheet |
| CSIF CH Bonds Corporate | SBI Corporate | CH0281860111 | CHF | 0.00% | Factsheet |
| Bonds World | |||||
| CSIF World ex CH Gov. Bonds | CGBI WGBI ex Switzerland | CH0033210086 | USD | 0.01% | Factsheet |
| CSIF World ex CH Corp. Bonds | BBG Barcl. Glob. Aggr. Corp. ex CHF | CH0189955260 | USD | 0.00% | Factsheet |
| High-yield Bonds | |||||
| CS Global High Yield | BBG Barclays Global High Yield Corp. | LU0340004091 | USD | 0.12% | Factsheet |
| CSIF Emerging Market Bonds | JPM EMBI Global Diversified | CH0259132105 | USD | 0.08% | Factsheet |
| Equity Switzerland | |||||
| CSIF SMI | SMI | CH0033782431 | CHF | 0.00% | Factsheet |
| UBS ETF SLI | SLI | CH0032912732 | CHF | 0.20% | Factsheet |
| CSIF SPI Extra | SPI Extra | CH0110869143 | CHF | 0.00% | Factsheet |
| UBS ETF MSCI Switzerland IMI SRI | MSCI Switzerland SRI | CH0368190739 | CHF | 0.28% | Factsheet |
| CSIF SPI ESG | SPI ESG | CH0597394516 | CHF | 0.01% | Factsheet |
| Equity Developed Markets | |||||
| CSIF Europe ex CH | MSCI Europe ex Schweiz | CH0037606552 | EUR | 0.01% | Factsheet |
| iShares Core S&P 500 | S&P 500 | IE00B5BMR087 | USD | 0.07% | Factsheet |
| CSIF US – Pension Fund | MSCI USA | CH0030849712 | USD | 0.00% | Factsheet |
| iShares Nasdaq 100 | Nasdaq 100 | IE00B53SZB19 | USD | 0.33% | Factsheet |
| CSIF Canada | MSCI Canada | CH0030849613 | CAD | 0.01% | Factsheet |
| CSIF Pacific ex Japan | MSCI Pacific ex Japan | CH0030849654 | USD | 0.00% | Factsheet |
| CSIF Japan – Pension Fund | MSCI Japan | CH0357515474 | JPY | 0.01% | Factsheet |
| CS Global Dividend Plus | MSCI World | LU0439730705 | USD | 0.12% | Factsheet |
| CSIF World ex CH – Pension Fund Plus | MSCI World ex CH | CH0429081620 | USD | 0.00% | Factsheet |
| CSIF World ex CH hedged – Pension Fund Plus | MSCI World ex CH | CH0429081638 | CHF | 0.00% | Factsheet |
| CSIF World ex CH Small Cap – Pension Fund | MSCI World ex CH Small Cap | CH0214967314 | USD | 0.09% | Factsheet |
| CSIF World ex CH Small Cap hedged – Pension Fund | MSCI World ex CH Small Cap | CH0214968353 | CHF | 0.09% | Factsheet |
| UBS ETF MSCI EMU SRI | MSCI EMU SRI | LU0629460675 | EUR | 0.22% | Factsheet |
| UBS ETF MSCI UK IMI SRI | MSCI UK IMI SRI | IE00BMP3HN93 | GBP | 0.28% | Factsheet |
| UBS ETF MSCI USA SRI | MSCI USA SRI | LU0629460089 | USD | 0.22% | Factsheet |
| CSIF US ESG – Pension Fund | MSCI USA ESG Leaders | CH0397628709 | USD | 0.02% | Factsheet |
| UBS ETF MSCI Pacific SRI | MSCI Pacific SRI | LU0629460832 | USD | 0.40% | Factsheet |
| CSIF World ex CH ESG – Pension Fund Plus | MSCI World ex CH ESG Leaders | CH0337393745 | USD | 0.03% | Factsheet |
| CSIF World ex CH ESG hedged – Pension Fund Plus | MSCI World ex CH ESG Leaders | CH0337393851 | CHF | 0.03% | Factsheet |
| iShares Global Clean Energy | S&P Global Clean Energy | IE00B1XNHC34 | USD | 0.65% | Factsheet |
| Equity Emerging Markets | |||||
| CSIF Emerging Markets | MSCI Emerging Markets | CH0017844686 | USD | 0.09% | Factsheet |
| CSIF China Total Market | MSCI China | LU1815001406 | USD | 0.13% | Factsheet |
| UBS ETF MSCI Emerging Markets SRI | MSCI Emerging Markets SRI | LU1048313891 | USD | 0.27% | Factsheet |
| Real Estate Switzerland | |||||
| CSIF CH Real Estate | Immobilien Schweiz | CH0036599816 | CHF | 0.00% | Factsheet |
| Real Estate World | |||||
| iShares US Property Yield | Immobilien USA | IE00B1FZSF77 | USD | 0.40% | Factsheet |
| CSIF Europe ex CH Real Estate | Immobilien Europa ex Schweiz | CH0032044684 | EUR | 0.01% | Factsheet |
| CSIF Real Estate World ex CH – Pension Fund | Real Estate World ex CH | CH0217837456 | USD | 0.01% | Factsheet |
| Commodities | |||||
| CSIF Gold | Gold | CH0209106761 | USD | 0.09% | Factsheet |
| Alternative Investments | |||||
| iShares Listed Private Equity | S&P Listed Private Equity | IE00B1TXHL60 | USD | 0.75% | Factsheet |