{"database": "bankproducts", "table": "product", "rows": [["scobag:vorsorge_3a_direktinvest", "scobag", "pension_account", "Scobag 3a Direktinvest \u2014 S\u00e4ule 3a Direktanlagen", "CHF", "private", "standard", "Pillar 3a private retirement product via Stiftung Scobag 3a Direktinvest (separate legal foundation under OAK BV oversight). Three strategies: Ausgewogen (max 40% equities), Dynamisch (max 60%), Aktienstrategie (max 100% equities). Quote: \"Die Scobag investiert bei der S\u00e4ule 3a aus \u00dcberzeugung vorwiegend in Direktanlagen.\" Avoids fund-of-funds collective vehicles in favour of direct equity selection \u2014 claimed cost advantage. PUBLISHED Geb\u00fchrenreglement: 0.60% all-in (asset mgmt + custody) + 0.30% Stiftungsadministration = 0.90% total all-in. Max contributions 2026: CHF 7,258 with PK, CHF 36,288 without PK.", null, null, "BPG0038Z5WXM", "free", 0, null, null]], "columns": ["id", "bank_id", "category", "name", "currency", "client_type", "target_group", "description", "valid_from", "source_document_id", "bpg", "access_tier", "is_tailored", "notice_period_days", "iso_account_type"], "primary_keys": ["id"], "primary_key_values": ["scobag:vorsorge_3a_direktinvest"], "units": {}, "query_ms": 1.5527279999787424, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}