Advice on personalizing my Finpension 3a portfolio

D

Daniel

New member
I was going to choose the 100% most aggressive predefined portfolio, but after doing more research, especially considering the main advantage of Finpension, which is being able to personalize it, what advice could you give me to define my portfolio (plan for 31 years)?
 
There you go:
Baptiste Wicht said:
Yes, that's what I would do (it does not necessarily mean you should do the same).

My recommended 3a strategies are:
  1. Use Global 100.
  2. Use a custom strategy based on Global 100 but removing the hedging.
  3. Use a fully custom strategy with only a Quality World Fund. It's what I am doing now, but I have no good reason for it, just experimenting.
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Other than that, I can't do any personalized advice :)
 
I read that you currently have only one ETF with these characteristics on Finpension. However, I can't find one that is 100% global, as some exclude Switzerland or emerging markets. Do you know how it's called on Finpension so I can find it?
 
I find this three:

CSIF (CH) III Equity World ex CH Blue - Pension Fund Plus ZB, TER 0,00%

CSIF (CH) III Equity World ex CH ESG Blue - Pension Fund Plus ZB, TER 0,01%

CSIF (CH) III Equity World ex CH Quality - Pension Fund DB , TER 0,13%

Of all of them, the one I find most interesting is the last one in both of its versions, DB and DBH. Despite its higher TER, in your experience, is it worth having a higher TER to invest in higher-quality companies compared to the other two?
 
Daniel said:
Of all of them, the one I find most interesting is the last one in both of its versions, DB and DBH. Despite its higher TER, in your experience, is it worth having a higher TER to invest in higher-quality companies compared to the other two?
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In theory, no. In theory, you should use higher diversification and lower fees. That's why I don't particularly recommend this fund and I only use it as a test.
 
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