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@ugojesus In CHF, accumulating, I don't know any others. But honestly, I was once in the same dilema as you: it is better to choose VT because the product which I wrote the ISIN is based on Ireland and as others stated, you lose a part of the dividends.

@ugojesus IE000716YHJ7 But not much liquidity, and based in Ireland

@pharmasmita Oh it's okay, I don't mind being in red, I am just upset by the principles of those raiffeisen 3a accounts.

@pharmasmita I feel you... I also chose to create and invest my 3A by Raiffeisen and it was a bad idea (it is my bank and by facility yI opened it there) : - bad performing funds (for example, way too heavy in Roche stock; I am stuck DCAing up until I'm back in green); - TER and buying fees way...

@canukhed It depends : First, you would have to find if the assets your hold are available on IBKR. The you will have to find the transfer costs of PostFinance and compare that with the costs you would pay if you sold and bought back on IBKR For example, I transfered my assets from...

@micah111 I don't think it will equalize on long term; for example, look at this bcge fund that is underperforming the reference index: https://www.swissfunddata.ch/sfdpub/docs/fsm-1351_06_01-20240331-en.pdf I have already changed since December; transfered everything to IBKR (30 cents to buy...

@agedintheozarks Why would the bank send the documents by physical mail ? I chose to only receive by ebanking and have not received letters from my bank in years.

@micah111 Yes you can change but there surely are conditions: for example, at BCGE, you pay 200 fr fees the 1st year, 100 fr fees the 2nd year and 0 the 3rd if you want to get out. I reduced my monthly contributions to the minimum for the moment. The hidden fees would be my first sentence, but...

@agedintheozarks Why don't you move your fiscal residency to a relative in Switzerland ? (if you can)

@micah111 Don't make the same mistake as I did by choosing a Fondsparplan (in my case, it was at BCGE) ... They lure you in with the fact that you don't have to pay buy fees but if you look at their product, you will see that the hidden fees are even higher than what you would save by having no...

@jaz2001 It depends on their situation: I did the same with my parents a few months ago and here are the keypoints : they will have 1st pillar revenue they will both choose 2nd pillar revenue they will reimburse the whole mortgage they won't invest in anything (Swisslife already tried to...

@renie Actively managed funds always underperform passive ones on long term; why would you choose that ?