id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
vskb:gestion_active_swiss_focus:mgmt,vskb:gestion_active_swiss_focus,vskb,mgmt_fee,"Commission annuelle (Active Swiss Focus, Balance, portefeuille < CHF 1.5m)",1.55,percent,per_annum_pct,active:1500k:balance,,"Tier matrix: Securite 1.10%-1.00%, Defensif 1.40%-1.20%, Balance 1.55%-1.35%, Offensif 1.70%-1.50%. 4 portfolio tiers. Min CHF 2200-3400.",4,2026-01-01,pro