mutual funds
ETF's
value averaging
tax issues
investing 3a style
which bank
Which bank?

We have researched a list of banks and their fund offerings, shown below together with relevant data. The list is of course not conclusive.*

  interest rate on cash  name of "stock" fund   TER*, management Fee   comments 
WIR Bank   2.75%  no funds   - -   
Swiss Regio Bank, regional banks   1.75%  Mixta Optima (IST)   1.2%   
Kantonalbanken   1.5% - 1.75%  BVG Diversifikation (Prevista)   1.6%  The interest rates on cash may vary from one canton to the other 
Raiffeisenbanken   1.5%  Pension Invest 50  1.11%  The interest rates on cash may vary from one bank to the other 
Postfinance   1.5%  PostFinance Vorsorge 45   1.39%  automatic fund investment 
Migros Bank, Coop Bank   1.5%  BVG Diversifikation (Prevista)   1.6%  The interest rates on cash may vary from one bank to the other 


You will note that no insurance companies are currently included in the list above.
We have not found any insurance based 3a-solutions worthwhile as they include a risk protection* as well.

* - not conclusive: we appreciate any suggestions regarding other banks and products.
- TER: as some of the funds described are “fund of funds” or “umbrella funds” have we calculated the TER with both layers of costs. (The cost of the FoF and the costs of the used sub-funds in their respective weight)
- risk protection is better done with a separate police. Furthermore are the amounts that you have to contribute fixed, or you might lose some of the protective part of the policy involved.


please note:
This page was last updated February 2004. Also read the disclaimer.