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Multiple award-winning VIAC investment strategies

A suitable strategy for every type of investment.

Strategies

Strategies Offered

The multiple award-winning investment strategies are also available for your vested benefits assets:

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Investment Focus: Global

Strategy Year-to-date Total Costs* Equity Weight Life Basic**
VB account (0.45% interest) 0.3% free 0%
Account Plus Global 1.2% free 5% inklusive
Global 20 4.1% 0.17% 20% inklusive
Global 40 7.2% 0.28% 40% inklusive
Global 60 10.4% 0.39% 60% inklusive
Global 80 13.2% 0.41% 80% inklusive
Global 100[1] 14.4% 0.41% 99% inklusive
Strategy Year-to-date Total Costs* Equity Weight Life Basic**
VB account (0.45% interest) 0.3% free 0%
Account Plus Global 1.2% free 5% inclusive
Global 20 4.7% 0.40% 20% inclusive
Global 40 7.7% 0.41% 40% inclusive
Global 60 10.7% 0.41% 60% inclusive
Global 80 13.4% 0.41% 80% inclusive
Global 100[1] 14.4% 0.41% 99% inclusive
Strategy Year-to-date Total Costs* Equity Weight Life Basic**
VB account (0.45% interest) 0.3% free 0%
Account Plus Global 1.2% free 5% inclusive
Global 20 4.1% 0.17% 20% inclusive
Global 40 7.1% 0.28% 40% inclusive
Global 60 10.3% 0.38% 60% inclusive
Global 80 13.3% 0.40% 80% inclusive
Global 100[1] 14.3% 0.40% 99% inclusive
Strategy Year-to-date Total Costs* Equity Weight Life Basic**
VB account (0.45% interest) 0.3% free 0%
Account Plus Global 1.2% free 5% inclusive
Global 20 4.7% 0.40% 20% inclusive
Global 40 7.6% 0.40% 40% inclusive
Global 60 10.6% 0.40% 60% inclusive
Global 80 13.3% 0.40% 80% inclusive
Global 100[1] 14.3% 0.40% 99% inclusive
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Investment Focus: Switzerland

Strategy Year-to-date Total Costs* Equity Weight Life Basic**
VB account (0.45% interest) 0.3% free 0%
Account Plus Switzerland 1% free 5% inclusive
Switzerland 20 3.4% 0.17% 20% inclusive
Switzerland 40 5.8% 0.28% 40% inclusive
Switzerland 60 8.2% 0.39% 60% inclusive
Switzerland 80 10.5% 0.42% 80% inclusive
Switzerland 100[1] 11.3% 0.43% 99% inclusive
Strategy Year-to-date Total Costs* Equity Weight Life Basic**
VB account (0.45% interest) 0.3% free 0%
Account Plus Switzerland 1% free 5% inclusive
Switzerland 20 4% 0.40% 20% inclusive
Switzerland 40 6.3% 0.40% 40% inclusive
Switzerland 60 8.5% 0.41% 60% inclusive
Switzerland 80 10.6% 0.42% 80% inclusive
Switzerland 100[1] 11.3% 0.43% 99% inclusive
Strategy Year-to-date Total Costs* Equity Weight Life Basic**
VB account (0.45% interest) 0.3% free 0%
Account Plus Switzerland 0.9% free 5% inclusive
Switzerland 20 3.3% 0.17% 20% inclusive
Switzerland 40 5.7% 0.28% 40% inclusive
Switzerland 60 8% 0.38% 60% inclusive
Switzerland 80 10.3% 0.41% 80% inclusive
Switzerland 100[1] 11.1% 0.43% 99% inclusive
Strategy Year-to-date Total Costs* Equity Weight Life Basic**
VB account (0.45% interest) 0.3% free 0%
Account Plus Switzerland 0.9% free 5% inclusive
Switzerland 20 4% 0.40% 20% inclusive
Switzerland 40 6.1% 0.40% 40% inclusive
Switzerland 60 8.3% 0.40% 60% inclusive
Switzerland 80 10.3% 0.41% 80% inclusive
Switzerland 100[1] 11.1% 0.43% 99% inclusive
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Investment Focus: Sustainable

Strategy Year-to-date Total Costs* Equity Weight Life Basic**
VB account (0.45% interest) 0.3% free 0%
Account Plus Sustainable 1.2% free 5% inclusive
Global Sustainable 20 3.9% 0.16% 20% inclusive
Global Sustainable 40 6.9% 0.27% 40% inclusive
Global Sustainable 60 10.1% 0.38% 60% inclusive
Global Sustainable 80 13.4% 0.42% 80% inclusive
Global Sustainable 100[1] 15.4% 0.43% 99% inclusive
Strategy Year-to-date Total Costs* Equity Weight Life Basic**
VB account (0.45% interest) 0.3% free 0%
Account Plus Sustainable 1.2% free 5% inclusive
Global Sustainable 20 4.6% 0.41% 20% inclusive
Global Sustainable 40 7.5% 0.41% 40% inclusive
Global Sustainable 60 10.5% 0.42% 60% inclusive
Global Sustainable 80 13.6% 0.42% 80% inclusive
Global Sustainable 100[1] 15.4% 0.43% 99% inclusive
Strategy Year-to-date Total Costs* Equity Weight Life Basic**
VB account (0.45% interest) 0.3% free 0%
Account Plus Sustainable 1.2% free 5% inclusive
Global Sustainable 20 3.8% 0.16% 20% inclusive
Global Sustainable 40 6.7% 0.26% 40% inclusive
Global Sustainable 60 9.7% 0.36% 60% inclusive
Global Sustainable 80 12.8% 0.40% 80% inclusive
Global Sustainable 100[1] 14.7% 0.40% 99% inclusive
Strategy Year-to-date Total Costs* Equity Weight Life Basic**
VB account (0.45% interest) 0.3% free 0%
Account Plus Sustainable 1.2% free 5% inclusive
Global Sustainable 20 4.5% 0.40% 20% inclusive
Global Sustainable 40 7.2% 0.40% 40% inclusive
Global Sustainable 60 10.1% 0.40% 60% inclusive
Global Sustainable 80 13% 0.40% 80% inclusive
Global Sustainable 100[1] 14.7% 0.40% 99% 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 0.40% 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.

[1] Equity only strategies can only be selected in the extra-mandatory segment.

Selection Process

The Vested Benefits Foundation of WIR Bank has applied the following selection criteria to determine the index investments used:

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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.

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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.

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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.

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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

Liquidity

Name Details ISIN Currency TER Factsheet
VB Account Liquidity WIR Bank CHF

Bonds Switzerland

Name Details ISIN Currency TER Factsheet
CSIMF Money Market CHF FTSE 3-Month CHF Eurodeposit CH0031419960 CHF 0.00% Factsheet
CSIF CH Bonds AAA-AA SBI AAA-AA CH0033846350 CHF 0.00% Factsheet
CSIF CH Bonds Corporate SBI Corporate CH0281860111 CHF 0.00% Factsheet
Swisscanto CH Bonds AAA-BBB 1-5 SBI AAA-BBB 1-5 CH0215803898 CHF 0.00% Factsheet
Swisscanto CH Bonds Corporate Responsible SBI Corporate CH1117196035 CHF 0.00% Factsheet

Bonds World

Name Details ISIN Currency TER Factsheet
CSIF World ex CH Gov. Bonds FTSE Non-CHF WGBI CH0033210086 USD 0.01% Factsheet
CSIF World ex CH Corp. Bonds BBG Barcl. Glob. Aggr. Corp. ex CHF CH0189955260 USD 0.00% Factsheet
Swisscanto World ex CH Gov. Bonds hedged FTSE Non-CHF WGBI hedged CH0117045317 CHF 0.00% Factsheet
Swisscanto World ex CH Corp. Bonds Resp. hedged FTSE World Inv.-Grade Corp. hedged CH1146980946 CHF 0.00% Factsheet

High-yield Bonds

Name Details ISIN Currency TER Factsheet
UBS Global High Yield Bond Fund BBG Barclays Global High Yield Corp. LU0340004091 USD 0.12% Factsheet
CSIF Emerging Market Bonds JPM EMBI Global Diversified CH0259132105 USD 0.08% Factsheet
Swisscanto Emerging Market Bonds hedged JPM EMBI Global Diversified hedged CH0398970274 CHF 0.00% Factsheet
Swisscanto World ex JPY/CHF Infl. Linked hedged FTSE ex JPY Glob. Infl. Link. hedged CH0117048352 CHF 0.00% Factsheet

Equity Switzerland

Name Details ISIN Currency TER Factsheet
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
Swisscanto SMI (SPI 20) SPI 20 CH0215804714 CHF 0.00% Factsheet
Swisscanto SPI Extra SPI Extra CH0132501898 CHF 0.00% Factsheet
Swisscanto SPI Responsible SPI CH0451461963 CHF 0.00% Factsheet

Equity Developed Markets

Name Details ISIN Currency TER Factsheet
CSIF Europe ex CH MSCI Europe ex CH CH0037606552 EUR 0.01% 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 – PF Plus MSCI World ex CH CH0429081620 USD 0.00% Factsheet
CSIF World ex CH hedged – PF Plus MSCI World ex CH CH0429081638 CHF 0.00% Factsheet
CSIF World ex CH Small Cap – PF MSCI World ex CH Small Cap CH0214967314 USD 0.09% Factsheet
CSIF World ex CH Small Cap hedged – PF MSCI World ex CH Small Cap CH0214968353 CHF 0.09% Factsheet
Swisscanto Europe ex CH MSCI Europe ex CH CH0117044658 EUR 0.00% Factsheet
Swisscanto US – IPF MSCI USA CH0117044732 USD 0.00% Factsheet
Swisscanto Canada MSCI Canada CH0117044864 CAD 0.00% Factsheet
Swisscanto Japan – IPF MSCI Japan CH0489405321 JPY 0.00% Factsheet
Swisscanto Pacific ex Japan MSCI Pacific ex Japan CH0117044831 USD 0.00% Factsheet
Swisscanto World ex CH – IPF MSCI World ex CH CH0117044948 USD 0.00% Factsheet
Swisscanto World ex CH hedged – IPF MSCI World ex CH CH0296590281 CHF 0.00% 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
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 – PF Plus MSCI World ex CH ESG Leaders CH0337393745 USD 0.03% Factsheet
CSIF World ex CH ESG hedged – PF Plus MSCI World ex CH ESG Leaders CH0337393851 CHF 0.03% Factsheet
iShares Global Clean Energy S&P Global Clean Energy IE00B1XNHC34 USD 00.65% Factsheet
Swisscanto US Responsible – IPF MSCI USA CH1223932505 USD 0.00% Factsheet
Swisscanto World ex CH Responsible – IPF MSCI World ex CH CH0215804755 USD 0.00% Factsheet
Swisscanto World ex CH Resp. hedged – IPF MSCI World ex CH CH0293345648 CHF 0.00% Factsheet
Swisscanto World ex CH Small Cap Resp. – IPF MSCI World ex CH Small Cap CH1220910934 USD 0.00% Factsheet
Swisscanto World ex CH Sm. Cap Resp. hedged IPF MSCI World ex CH Small Cap CH1221211753 CHF 0.00% Factsheet

Equity Emerging Markets

Name Details ISIN Currency TER Factsheet
CSIF Emerging Markets MSCI Em. Markets CH0017844686 USD 0.09% Factsheet
CSIF China Total Market MSCI China LU1815001406 USD 0.13% Factsheet
CSIF Emerging Markets ESG MSCI Em. Markets ESG Leaders LU1587907855 USD 0.13% Factsheet
Swisscanto Emerging Markets MSCI Em. Markets CH0117044971 USD 0.00% Factsheet
Swisscanto Emerging Markets Responsible MSCI Em. Markets CH0561458693 USD 0.00% Factsheet

Real Estate Switzerland

Name Details ISIN Currency TER Factsheet
CSIF CH Real Estate* SXI Real Estate CH0036599816 CHF 0.00% Factsheet
Swisscanto CH Real Estate* SXI Real Estate CH0117052545 CHF 0.00% Factsheet

Real Estate World

Name Details ISIN Currency TER Factsheet
iShares US Property Yield FTSE EPRA Nareit US IE00B1FZSF77 USD 0.40% Factsheet
CSIF Real Estate World ex CH – Pension Fund FTSE EPRA Nareit Dev. ex CH CH0217837456 USD 0.01% Factsheet
Swisscanto Europe ex CH Real Estate FTSE EPRA Nareit Dev. Europe ex CH CH0117052586 EUR 0.01% Factsheet
Swisscanto North America Real Estate – IPF FTSE EPRA Nareit North America CH0215804730 USD 0.00% Factsheet
Swisscanto Asia Real Estate FTSE EPRA Nareit Developed Asia CH0117052669 CHF 0.00% Factsheet

Commodities

Name Details ISIN Currency TER Factsheet
CSIF Gold Gold CH0209106761 USD 0.09% Factsheet
Swisscanto Gold Gold CH0568725631 USD 0.00% Factsheet
Swisscanto Commodity BBG Commodity Index CH1196925890 USD 0.00% Factsheet

Alternative Investments

Name Details ISIN Currency TER Factsheet
iShares Listed Private Equity S&P Listed Priv. Equity IE00B1TXHL60 USD 0.75% Factsheet

* The «CSIF CH Real Estate» and «Swisscanto CH Real Estate» funds each have a TER of 0.00%. Both invest in real estate funds that are part of the SXI Real Estate Funds Broad Total Return Index. These real estate funds have TER costs, which are shown in the factsheet under «Ongoing charges» respectively «Total Expense Ratio p.a.».