Strategies

YTD 1M 3M 1Y 3Y 5Y MAX

Compare the performance of up to 6 strategies

	Equity 0	Equity 20	Equity 40	Equity 60	Equity 80	Equity 100
Global
Switzerland
Sustainable

finpension Equity 40 (Global)

Index names Asset names

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Bonds			99 %
SBI AAA-BBB (TR)	CH0482006191	0.10	99 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			20 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	13 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	2 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	1 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	1 %
Bonds			79 %
SBI AAA-BBB (TR)	CH0482006191	0.10	79 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			40 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	27 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	4 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	4 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	2 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	1 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	1 %
Bonds			59 %
SBI AAA-BBB (TR)	CH0482006191	0.10	59 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			60 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	40 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	6 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	6 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	3 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	2 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	2 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	1 %
Bonds			39 %
SBI AAA-BBB (TR)	CH0482006191	0.10	39 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			80 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	53 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	8 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	8 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	4 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	3 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	2 %
Bonds			19 %
SBI AAA-BBB (TR)	CH0482006191	0.10	19 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			99 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	66 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	10 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	10 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	6 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	3 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	2 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Bonds			99 %
SBI AAA-BBB (TR)	CH0482006191	0.10	99 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			20 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	10 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	7 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	1 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	1 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	1 %
Bonds			79 %
SBI AAA-BBB (TR)	CH0482006191	0.10	79 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			40 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	20 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	13 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	2 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	1 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	1 %
Bonds			59 %
SBI AAA-BBB (TR)	CH0482006191	0.10	59 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			60 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	30 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	20 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	3 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	3 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	1 %
Bonds			39 %
SBI AAA-BBB (TR)	CH0482006191	0.10	39 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			80 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	40 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	27 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	4 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	4 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	2 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %
Bonds			19 %
SBI AAA-BBB (TR)	CH0482006191	0.10	19 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			99 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	50 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	33 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	5 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	5 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	3 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Bonds			99 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	99 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			20 %
MSCI USA ESG Enhanced Focus CTB Index	IE00BHZPJ908	0.07	13 %
MSCI EMU ESG Enhanced Focus CTB Index	IE00BHZPJ015	0.12	2 %
MSCI EM ESG Enhanced Focus CTB Index	IE00BHZPJ239	0.18	2 %
MSCI Japan ESG Enhanced Focus CTB Index	IE00BHZPJ452	0.15	1 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	1 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	1 %
Bonds			79 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	79 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			40 %
MSCI USA ESG Enhanced Focus CTB Index	IE00BHZPJ908	0.07	27 %
MSCI EMU ESG Enhanced Focus CTB Index	IE00BHZPJ015	0.12	4 %
MSCI EM ESG Enhanced Focus CTB Index	IE00BHZPJ239	0.18	4 %
MSCI Japan ESG Enhanced Focus CTB Index	IE00BHZPJ452	0.15	2 %
SPI ESG (TR) UBS ETF (CH) SPI® ESG (CHF) A-acc	CH0590186661	0.15	1 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	1 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	1 %
Bonds			59 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	59 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			60 %
MSCI USA ESG Enhanced Focus CTB Index	IE00BHZPJ908	0.07	40 %
MSCI EMU ESG Enhanced Focus CTB Index	IE00BHZPJ015	0.12	6 %
MSCI EM ESG Enhanced Focus CTB Index	IE00BHZPJ239	0.18	6 %
MSCI Japan ESG Enhanced Focus CTB Index	IE00BHZPJ452	0.15	3 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	2 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	2 %
SPI ESG (TR) UBS ETF (CH) SPI® ESG (CHF) A-acc	CH0590186661	0.15	1 %
Bonds			39 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	39 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			80 %
MSCI USA ESG Enhanced Focus CTB Index	IE00BHZPJ908	0.07	53 %
MSCI EMU ESG Enhanced Focus CTB Index	IE00BHZPJ015	0.12	8 %
MSCI EM ESG Enhanced Focus CTB Index	IE00BHZPJ239	0.18	8 %
MSCI Japan ESG Enhanced Focus CTB Index	IE00BHZPJ452	0.15	4 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	3 %
SPI ESG (TR) UBS ETF (CH) SPI® ESG (CHF) A-acc	CH0590186661	0.15	2 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	2 %
Bonds			19 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	19 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			99 %
MSCI USA ESG Enhanced Focus CTB Index	IE00BHZPJ908	0.07	66 %
MSCI EMU ESG Enhanced Focus CTB Index	IE00BHZPJ015	0.12	10 %
MSCI EM ESG Enhanced Focus CTB Index	IE00BHZPJ239	0.18	10 %
MSCI Japan ESG Enhanced Focus CTB Index	IE00BHZPJ452	0.15	6 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	3 %
SPI ESG (TR) UBS ETF (CH) SPI® ESG (CHF) A-acc	CH0590186661	0.15	2 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	2 %

Index Funds currently used*	ISIN	TER	Weight
Cash
FTSE CHF 1-Month Eurodeposit (CHF)	CH0011292312	0.15	99 %
Cash Cash		0.00	1 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Bonds			99 %
SBI AAA-BBB (TR)	CH0482006191	0.10	99 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			20 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	13 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	2 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	1 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	1 %
Bonds			79 %
SBI AAA-BBB (TR)	CH0482006191	0.10	79 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			40 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	27 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	4 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	4 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	2 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	1 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	1 %
Bonds			59 %
SBI AAA-BBB (TR)	CH0482006191	0.10	59 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			60 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	40 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	6 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	6 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	3 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	2 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	2 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	1 %
Bonds			39 %
SBI AAA-BBB (TR)	CH0482006191	0.10	39 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			80 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	53 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	8 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	8 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	4 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	3 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	2 %
Bonds			19 %
SBI AAA-BBB (TR)	CH0482006191	0.10	19 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			99 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	66 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	10 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	10 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	6 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	3 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	2 %

Index Funds currently used*	ISIN	TER	Weight
Cash
FTSE CHF 1-Month Eurodeposit (CHF)	CH0011292312	0.15	99 %
Cash Cash		0.00	1 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Bonds			99 %
SBI AAA-BBB (TR)	CH0482006191	0.10	99 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			20 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	8 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	6 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	2 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	1 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	1 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	1 %
Bonds			79 %
SBI AAA-BBB (TR)	CH0482006191	0.10	79 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			40 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	16 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	13 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	4 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	3 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	1 %
Bonds			59 %
SBI AAA-BBB (TR)	CH0482006191	0.10	59 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			60 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	23 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	19 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	7 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	4 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	4 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %
Bonds			39 %
SBI AAA-BBB (TR)	CH0482006191	0.10	39 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			80 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	31 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	25 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	9 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	6 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	5 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	3 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %
Bonds			19 %
SBI AAA-BBB (TR)	CH0482006191	0.10	19 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			99 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	39 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	31 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	11 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	7 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	6 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	3 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	2 %

Index Funds currently used*	ISIN	TER	Weight
Cash
FTSE CHF 1-Month Eurodeposit (CHF)	CH0011292312	0.15	99 %
Cash Cash		0.00	1 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Bonds			99 %
SBI AAA-BBB (TR)	CH0482006191	0.10	99 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			20 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	10 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	7 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	1 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	1 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	1 %
Bonds			79 %
SBI AAA-BBB (TR)	CH0482006191	0.10	79 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			40 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	20 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	13 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	2 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	1 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	1 %
Bonds			59 %
SBI AAA-BBB (TR)	CH0482006191	0.10	59 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			60 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	30 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	20 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	3 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	3 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	1 %
Bonds			39 %
SBI AAA-BBB (TR)	CH0482006191	0.10	39 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			80 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	40 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	27 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	4 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	4 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	2 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %
Bonds			19 %
SBI AAA-BBB (TR)	CH0482006191	0.10	19 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			99 %
SPI iShares Core SPI® ETF (CH) CHF (Dist)	CH0237935652	0.10	50 %
S&P 500 Index iShares Core S&P 500 UCITS ETF	IE00B5BMR087	0.07	33 %
EURO STOXX 50 Net HSBC EURO STOXX 50 UCITS ETF EUR	IE00B4K6B022	0.05	5 %
MSCI Emerging Markets Investable Market Index	IE00BKM4GZ66	0.18	5 %
MSCI Total Return Net Japan Index Xtrackers MSCI Japan UCITS ETF 1C	LU0274209740	0.12	3 %
FTSE 100 Index Vanguard FTSE 100 UCITS ETF	IE00B810Q511	0.09	2 %
MSCI Pacific ex Japan Net HSBC MSCI PACIFIC ex JAPAN UCITS ETF	IE00B5SG8Z57	0.15	1 %

Index Funds currently used*	ISIN	TER	Weight
Cash
FTSE CHF 1-Month Eurodeposit (CHF)	CH0011292312	0.15	99 %
Cash Cash		0.00	1 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Bonds			99 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	99 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			20 %
MSCI USA ESG Enhanced Focus CTB Index	IE00BHZPJ908	0.07	13 %
MSCI EMU ESG Enhanced Focus CTB Index	IE00BHZPJ015	0.12	2 %
MSCI EM ESG Enhanced Focus CTB Index	IE00BHZPJ239	0.18	2 %
MSCI Japan ESG Enhanced Focus CTB Index	IE00BHZPJ452	0.15	1 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	1 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	1 %
Bonds			79 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	79 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			40 %
MSCI USA ESG Enhanced Focus CTB Index	IE00BHZPJ908	0.07	27 %
MSCI EMU ESG Enhanced Focus CTB Index	IE00BHZPJ015	0.12	4 %
MSCI EM ESG Enhanced Focus CTB Index	IE00BHZPJ239	0.18	4 %
MSCI Japan ESG Enhanced Focus CTB Index	IE00BHZPJ452	0.15	2 %
SPI ESG (TR) UBS ETF (CH) SPI® ESG (CHF) A-acc	CH0590186661	0.15	1 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	1 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	1 %
Bonds			59 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	59 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			60 %
MSCI USA ESG Enhanced Focus CTB Index	IE00BHZPJ908	0.07	40 %
MSCI EMU ESG Enhanced Focus CTB Index	IE00BHZPJ015	0.12	6 %
MSCI EM ESG Enhanced Focus CTB Index	IE00BHZPJ239	0.18	6 %
MSCI Japan ESG Enhanced Focus CTB Index	IE00BHZPJ452	0.15	3 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	2 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	2 %
SPI ESG (TR) UBS ETF (CH) SPI® ESG (CHF) A-acc	CH0590186661	0.15	1 %
Bonds			39 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	39 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			80 %
MSCI USA ESG Enhanced Focus CTB Index	IE00BHZPJ908	0.07	53 %
MSCI EMU ESG Enhanced Focus CTB Index	IE00BHZPJ015	0.12	8 %
MSCI EM ESG Enhanced Focus CTB Index	IE00BHZPJ239	0.18	8 %
MSCI Japan ESG Enhanced Focus CTB Index	IE00BHZPJ452	0.15	4 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	3 %
SPI ESG (TR) UBS ETF (CH) SPI® ESG (CHF) A-acc	CH0590186661	0.15	2 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	2 %
Bonds			19 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	19 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			99 %
MSCI USA ESG Enhanced Focus CTB Index	IE00BHZPJ908	0.07	66 %
MSCI EMU ESG Enhanced Focus CTB Index	IE00BHZPJ015	0.12	10 %
MSCI EM ESG Enhanced Focus CTB Index	IE00BHZPJ239	0.18	10 %
MSCI Japan ESG Enhanced Focus CTB Index	IE00BHZPJ452	0.15	6 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	3 %
SPI ESG (TR) UBS ETF (CH) SPI® ESG (CHF) A-acc	CH0590186661	0.15	2 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	2 %

Index Funds currently used*	ISIN	TER	Weight
Cash
FTSE CHF 1-Month Eurodeposit (CHF)	CH0011292312	0.15	99 %
Cash Cash		0.00	1 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Bonds			99 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	99 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			20 %
S&P 500 Net Zero 2050 Paris-Aligned Sustainability Screened Index (USD)	IE00BMXC7V63	0.07	13 %
MSCI EMU Climate Paris-Aligned Select Index	IE000FOSCLU1	0.15	2 %
MSCI Emerging Markets ESG Climate Paris Aligned Benchmark Select Index (USD)	IE000PJL7R74	0.19	2 %
MSCI Japan ESG Enhanced Focus CTB Index	IE00BHZPJ452	0.15	1 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	1 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	1 %
Bonds			79 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	79 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			40 %
S&P 500 Net Zero 2050 Paris-Aligned Sustainability Screened Index (USD)	IE00BMXC7V63	0.07	27 %
MSCI EMU Climate Paris-Aligned Select Index	IE000FOSCLU1	0.15	4 %
MSCI Emerging Markets ESG Climate Paris Aligned Benchmark Select Index (USD)	IE000PJL7R74	0.19	4 %
MSCI Japan Climate Paris Aligned Index JPY	IE00BN4Q0X77	0.16	2 %
MSCI Switzerland IMI Extended SRI Low Carbon Select 5% Issuer Capped NTR CHF	CH0492935355	0.28	1 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	1 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	1 %
Bonds			59 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	59 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			60 %
S&P 500 Net Zero 2050 Paris-Aligned Sustainability Screened Index (USD)	IE00BMXC7V63	0.07	40 %
MSCI EMU Climate Paris-Aligned Select Index	IE000FOSCLU1	0.15	6 %
MSCI Emerging Markets ESG Climate Paris Aligned Benchmark Select Index (USD)	IE000PJL7R74	0.19	6 %
MSCI Japan Climate Paris Aligned Index JPY	IE00BN4Q0X77	0.16	3 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	2 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	2 %
MSCI Switzerland IMI Extended SRI Low Carbon Select 5% Issuer Capped NTR CHF	CH0492935355	0.28	1 %
Bonds			39 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	39 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			80 %
S&P 500 Net Zero 2050 Paris-Aligned Sustainability Screened Index (USD)	IE00BMXC7V63	0.07	53 %
MSCI EMU Climate Paris-Aligned Select Index	IE000FOSCLU1	0.15	8 %
MSCI Emerging Markets ESG Climate Paris Aligned Benchmark Select Index (USD)	IE000PJL7R74	0.19	8 %
MSCI Japan Climate Paris Aligned Index JPY	IE00BN4Q0X77	0.16	4 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	3 %
MSCI Switzerland IMI Extended SRI Low Carbon Select 5% Issuer Capped NTR CHF	CH0492935355	0.28	2 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	2 %
Bonds			19 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	19 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			99 %
S&P 500 Net Zero 2050 Paris-Aligned Sustainability Screened Index (USD)	IE00BMXC7V63	0.07	66 %
MSCI EMU Climate Paris-Aligned Select Index	IE000FOSCLU1	0.15	10 %
MSCI Emerging Markets ESG Climate Paris Aligned Benchmark Select Index (USD)	IE000PJL7R74	0.19	10 %
MSCI Japan Climate Paris Aligned Index JPY	IE00BN4Q0X77	0.16	6 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	3 %
MSCI Switzerland IMI Extended SRI Low Carbon Select 5% Issuer Capped NTR CHF	CH0492935355	0.28	2 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	2 %

Index Funds currently used*	ISIN	TER	Weight
Cash
FTSE CHF 1-Month Eurodeposit (CHF)	CH0011292312	0.15	99 %
Cash Cash		0.00	1 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Bonds			99 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	99 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			20 %
S&P 500 Net Zero 2050 Paris-Aligned Sustainability Screened Index (USD)	IE00BMXC7V63	0.07	10 %
Solactive Equileap Global Gender Equality 100 Leaders Index	IE00BDR5GV14	0.20	5 %
MSCI Emerging Markets ESG Climate Paris Aligned Benchmark Select Index (USD)	IE000PJL7R74	0.19	2 %
MSCI EMU Climate Paris-Aligned Select Index	IE000FOSCLU1	0.15	1 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	1 %
MSCI Japan Climate Paris Aligned Index JPY	IE00BN4Q0X77	0.16	1 %
Bonds			79 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	79 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			40 %
S&P 500 Net Zero 2050 Paris-Aligned Sustainability Screened Index (USD)	IE00BMXC7V63	0.07	20 %
Solactive Equileap Global Gender Equality 100 Leaders Index	IE00BDR5GV14	0.20	10 %
MSCI EMU Climate Paris-Aligned Select Index	IE000FOSCLU1	0.15	3 %
MSCI Emerging Markets ESG Climate Paris Aligned Benchmark Select Index (USD)	IE000PJL7R74	0.19	3 %
MSCI Switzerland IMI Extended SRI Low Carbon Select 5% Issuer Capped NTR CHF	CH0492935355	0.28	1 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	1 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	1 %
MSCI Japan Climate Paris Aligned Index JPY	IE00BN4Q0X77	0.16	1 %
Bonds			59 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	59 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			60 %
S&P 500 Net Zero 2050 Paris-Aligned Sustainability Screened Index (USD)	IE00BMXC7V63	0.07	30 %
Solactive Equileap Global Gender Equality 100 Leaders Index	IE00BDR5GV14	0.20	15 %
MSCI Emerging Markets ESG Climate Paris Aligned Benchmark Select Index (USD)	IE000PJL7R74	0.19	5 %
MSCI EMU Climate Paris-Aligned Select Index	IE000FOSCLU1	0.15	4 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	2 %
MSCI Japan Climate Paris Aligned Index JPY	IE00BN4Q0X77	0.16	2 %
MSCI Switzerland IMI Extended SRI Low Carbon Select 5% Issuer Capped NTR CHF	CH0492935355	0.28	1 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	1 %
Bonds			39 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	39 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			80 %
S&P 500 Net Zero 2050 Paris-Aligned Sustainability Screened Index (USD)	IE00BMXC7V63	0.07	40 %
Solactive Equileap Global Gender Equality 100 Leaders Index	IE00BDR5GV14	0.20	20 %
MSCI EMU Climate Paris-Aligned Select Index	IE000FOSCLU1	0.15	6 %
MSCI Emerging Markets ESG Climate Paris Aligned Benchmark Select Index (USD)	IE000PJL7R74	0.19	6 %
MSCI Japan Climate Paris Aligned Index JPY	IE00BN4Q0X77	0.16	3 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	2 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	2 %
MSCI Switzerland IMI Extended SRI Low Carbon Select 5% Issuer Capped NTR CHF	CH0492935355	0.28	1 %
Bonds			19 %
SBI ESG AAA-BBB (TR)	CH0597394557	0.11	19 %

Index Funds currently used*	ISIN	TER	Weight
Cash
Cash Cash		0.00	1 %
Equities			99 %
S&P 500 Net Zero 2050 Paris-Aligned Sustainability Screened Index (USD)	IE00BMXC7V63	0.07	49 %
Solactive Equileap Global Gender Equality 100 Leaders Index	IE00BDR5GV14	0.20	25 %
MSCI EMU Climate Paris-Aligned Select Index	IE000FOSCLU1	0.15	7 %
MSCI Emerging Markets ESG Climate Paris Aligned Benchmark Select Index (USD)	IE000PJL7R74	0.19	7 %
MSCI Japan Climate Paris Aligned Index JPY	IE00BN4Q0X77	0.16	4 %
MSCI UK IMI Extended SRI Low Carbon Select 5% Issuer Capped Total Return Net	IE00BMP3HN93	0.23	3 %
MSCI Switzerland IMI Extended SRI Low Carbon Select 5% Issuer Capped NTR CHF	CH0492935355	0.28	2 %
MSCI Pacific ex-Japan ESG Enhanced Focus CTB Index	IE00BMDBMK72	0.20	2 %

Allocation of the standard strategies

Equity weighting by country

For the equity weighting by country, the global investment strategies are based on the size of the respective markets (market capitalisation). The US market accounts for over 60 per cent of the value of the global equity markets. All other investment focuses correspond to a modification of the global strategy, either by overweighting other regions in relation to their size or by using other assets such as sustainable funds. The weightings of the individual markets are reviewed at the beginning of each year and updated if necessary.

Bonds in Swiss francs

For tax reasons, the bond component is held in Swiss francs. Although higher interest rates in other countries would generate more interest income, they would also lead to a higher tax burden on income. In addition, in an efficient market, the higher interest rates in other countries are eliminated over time by currency losses, which is why the bottom line is that there is no better performance anyway. We therefore refrain from using bonds in foreign currencies in your favour.

Self-determined strategy

In addition to choosing a listed investment strategy, you also have the option of putting together your investment strategy from scratch. A variety of funds are available to you.

Fund list

Private Markets

For all customers with a very high-risk capacity, we provide exclusive access to private market investments, which offers several interesting advantages.

Private Markets

Funds used

The investment strategies are primarily implemented with ETFs. Exchange-traded funds (ETFs) are investment funds that are traded on stock exchanges. They offer investors a cost-effective way of making broadly diversified investments. The most important features of ETFs are

Diversification: ETFs invest in a variety of securities, which helps investors to spread their risk. A single ETF can contain thousands of stocks or bonds.
Cost efficiency: ETFs generally have lower management fees than traditional investment funds, as they are often passively managed and automatically track the index they are tracking.
Flexibility and liquidity: As ETFs are traded on stock exchanges, they can be bought and sold at any time during trading hours.
Transparency: The composition of an ETF can usually be viewed at any time, allowing investors to see exactly which assets they are investing in.
Access to different markets and strategies: ETFs give investors access to a wide range of markets and investment strategies, including equities, bonds, commodities, and more, as well as specific sectors, regions, or investment styles.

These characteristics make ETFs a popular choice for both private and institutional investors.

Securities firm

finpension has been licensed as an account-holding securities firm by the Swiss Financial Market Supervisory Authority FINMA since March 2024.

This license allows finpension to offer this investment solution independently. Unlike other digital wealth managers, at finpension the client account to which the wealth management order relates is opened directly with finpension and not with a bank.

This means that finpension remains independent of banks and insurance companies and you can be sure that your goals, interests, and needs will continue to be the top priority for finpension in the future.

Invest wealth

	Money Market	Equity 0	Equity 20	Equity 40	Equity 60	Equity 80	Equity 100
Global
Europe
Switzerland
Broad Impact
Climate Impact
Social Impact