By what criteria are the index funds for the pillar 3a investment solutions selected?

We select the building blocks for your investment solutions with the greatest care.

We deliberately chose Swisscanto index funds. As a leading provider, Swisscanto allows us to utilize so-called "Zero-Fee classes," which, true to their name, carry a total expense ratio (TER) of 0.00%.

Furthermore, these specialized pension index funds are tax-optimized, so as they are accessible exclusively to pension institutions, they are exempt from foreign withholding taxes.

Our investment committee regularly scours the market for you and relies on two clear promises when selecting index funds: 

First-class quality for your money 

• Only the best: We work exclusively with proven index funds from Swisscanto. 

• Real values: The assets within the index funds are held directly and physically. This guarantees you maximum security. 

• Traded weekly: We trade for you once a week, so your investments can be bought and sold effortlessly for you. 

Uncompromisingly low costs 

• Radically affordable: We select only index funds that have no product costs (TER), so that more of your return stays with you. (Only exception: the Swiss real estate fund.) 

• Absolute independence: We do not accept any kickbacks (retrocessions) from index fund providers. 

• Smarter trading: All index funds convince with flawless liquidity and tight trading spreads, so your money works efficiently for you.