{"database": "bankproducts", "table": "product_feature", "is_view": false, "human_description_en": "where product_id = \"scobag:vorsorge_3a_direktinvest\"", "rows": [["scobag:vorsorge_3a_direktinvest:pf:atom_292_regulatory_bifurcation", "scobag:vorsorge_3a_direktinvest", "pricing_condition", "Atom #292 \u2014 regulatory-bifurcated fee-disclosure posture (FIRST OBSERVED)", "Scobag is the first observed case where the same banking group operates two legal entities with OPPOSITE fee-disclosure postures, each appropriate to its regulator:\n- Scobag Privatbank AG (bank): tailored per FINSA Art. 31 opt-out (no published bank-side schedule)\n- Stiftung Scobag 3a Direktinvest (foundation): published per OAK BV pension-foundation transparency requirements (0.60% AM+custody + 0.30% admin = 0.90% all-in)\nPension-foundation-side transparency confirms the bank COULD publish its own bank-side rates but chooses not to. The bifurcation matches the regulatory environment exactly. Worth checking other CH private banks with affiliated 3a foundations (Reichmuth, Maerki, Baumann, Trafina) to see if the pattern is general \u2014 could become an atom #274 sub-cohort.", null], ["scobag:vorsorge_3a_direktinvest:pf:direct_investment_philosophy", "scobag:vorsorge_3a_direktinvest", "pricing_condition", "Direct-investment philosophy on 3a \u2014 FIRST observed in dataset", "Quote from product page: \"Die Scobag investiert bei der S\u00e4ule 3a aus \u00dcberzeugung vorwiegend in Direktanlagen. Unsere Anlagestrategie beinhaltet lediglich einen dosierten Einsatz von Kollektivanlagen.\" Avoids fund-of-funds and collective vehicles in favour of direct equity selection. Most 3a products in the dataset are managed via foundation funds (e.g., VIAC, Frankly, viac.ch). Scobag's claimed advantage: lower product costs (no fund TER on top of foundation fee). Confirmed by 0.90% all-in for Scobag 3a vs typically 0.30-1.20% TER stack for foundation-fund-based 3a.", null], ["scobag:vorsorge_3a_direktinvest:pf:three_strategies", "scobag:vorsorge_3a_direktinvest", "pricing_condition", "Three 3a strategies \u2014 Ausgewogen / Dynamisch / Aktien (max 40/60/100% equities)", "Scobag 3a Direktinvest offers three pre-defined investment strategies: Ausgewogen (max 40% equities), Dynamisch (max 60%), Aktienstrategie (max 100% equities). Direct-investment vehicle. Same 0.90% all-in fee applies to all three.", null]], "truncated": false, "filtered_table_rows_count": 3, "expanded_columns": [], "expandable_columns": [[{"column": "product_id", "other_table": "product", "other_column": "id"}, "name"]], "columns": ["id", "product_id", "feature_key", "feature_value", "note", "source_page"], "primary_keys": ["id"], "units": {}, "query": {"sql": "select id, product_id, feature_key, feature_value, note, source_page from product_feature where \"product_id\" = :p0 order by id limit 101", "params": {"p0": "scobag:vorsorge_3a_direktinvest"}}, "facet_results": {}, "suggested_facets": [], "next": null, "next_url": null, "private": false, "allow_execute_sql": true, "query_ms": 12.973180000017237, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}