{"database": "bankproducts", "table": "product_feature", "rows": [["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]], "columns": ["id", "product_id", "feature_key", "feature_value", "note", "source_page"], "primary_keys": ["id"], "primary_key_values": ["scobag:vorsorge_3a_direktinvest:pf:direct_investment_philosophy"], "units": {}, "query_ms": 3.641154999968421, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}