Balanced
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 40% of your equities in Switzerland.
Share of equities:
%
CHF share:
%
TER of ETFs:
%
Risk/return
Mittel
Performance (as of 30 June 2026)
Performance
Art
ETF name
ISIN
TER
Share
Allocation in detail
Refers to grow
Split by equities
20%
60% abroad, 40% Switzerland, or in other words: Global diversification with a focus on Switzerland. You invest in around 3'750 companies across 44 countries.
Why this focus on Switzerland?
There are several reasons for Swiss equities, such as tax benefits and no foreign currency risk.
Nevertheless, the Swiss stock market is heavily dependent on a few sectors (pharma and consumer goods). For instance, Nestlé, Novartis, and Roche account for one third of the SPI. That's why we add 80 mid-sized Swiss companies like Logitech, Schindler, or Helvetia.
But we bring the the whole world on board for you. The breakdown across different countries and regions is based on the size of their capital markets. Outside Switzerland, we exclusively choose sustainable ETFs that avoid investments in nuclear power, coal, or weapons.
These are your largest equity positions (share in % of your investment solution):
Switzerland:
Roche
2.5
%
|
Novartis
2.4
%
|
Neslté
2
%
|
ABB
1.4
%
|
UBS
1.2
%
|
Global:
Nvidia
1.8
%
|
Apple
1.7
%
|
Alphabet (Google)
1.5
%
|
Microsoft
1
%
|
Amazon
0.9
%
|
Split by bonds
20%
We hold first-class bonds mainly to stabilize your investment solution in times of crisis. 60% 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. 30% are invested in safe Swiss government bonds. All this brings peace of mind to your investment.
For a bit of extra spice, we add high-yield bonds from emerging markets. This accounts for 10% (of the bond portion, which is just under 3% of your investment solution). They are held in USD and are therefore subject to currency fluctuations.
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.
This factsheet is marketing material