Balanced
Switzerland
With a medium equity ratio, combined with bonds and some real estate, you aim for a good balance between risk and return. Medium fluctuations in value won't throw you off balance. You invest 80% of equities and 100% of bonds in Switzerland.
Share of equities:
%
CHF share:
%
TER of ETFs:
%
Risk/return
Mittel
Performance
12.0%
Ø Return over the last 5 years
12.0%
Ø Return over the last 10 years
12.0%
Largest annual decline (2008)
12.0%
Art
ETF name
ISIN
TER
Share
Allocation in detail
Refers to grow
Split by equities
20%
80% Switzerland and 20% abroad or in other words: Clear focus on Switzerland and only minor global coverage. Despite this focus, you invest in around 3'750 companies from 44 countries.
There's a lot to be said for Swiss equities, such as tax benefits and no foreign currency risk. However, the Swiss stock market is also heavily dependent on individual sectors (pharma and consumer goods). For example, Nestlé, Novartis and Roche make up around 35% of the SPI. That's why we add 80 mid-sized Swiss companies like Logitech, Schindler or Helvetia.
As a complement, you still get a touch of global flavor: 20% is invested outside Switzerland. The breakdown between the different countries/regions is based on the size of the capital markets. Outside Switzerland, we only choose sustainable ETFs that strictly avoid investments in nuclear power, coal or weapons.
These are your largest equity positions (share in % of your investment solution):
Switzerland:
Roche
4.8
%
|
Novartis
4.6
%
|
Neslté
4.1
%
|
ABB
2.6
%
|
UBS
2.4
%
|
Global:
Nvidia
0.6
%
|
Apple
0.6
%
|
Alphabet (Google)
0.5
%
|
Microsoft
0.3
%
|
Amazon
0.3
%
|
Split by bonds
20%
We hold first-class bonds mainly to stabilize your investment solution in times of crisis. All bonds are denominated in Swiss francs. 80% are held in solid corporate bonds in Swiss francs. These have no currency risk and, thanks to a high credit rating (investment grade), a low risk of default. 20% are invested in safe Swiss government bonds. All this brings peace of mind to your investment.
Split by real estate
20%
For real estate, we invest completely in Switzerland for you. The focus is on residential buildings, with office and commercial properties added to the mix. This allows you to participate in the long-term value appreciation of the Swiss real estate market.
We consciously rely only on pure real estate funds instead of shares in real estate companies. This increases the diversification effect compared to equities and brings more stability to your investment solution.
Liquidity
2%
We hold around 1% of your investment solution as a liquidity buffer in your account. That way, we don't have to sell any ETF shares when the next fee settlement is due, and we can use this buffer if your deposit or withdrawal amount is not exactly divisible by the ETF prices.
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