id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
vskb:gestion_smart:mgmt,vskb:gestion_smart,vskb,mgmt_fee,"Commission annuelle (Smart, Equilibre, portefeuille < CHF 1.5m)",1.0,percent,per_annum_pct,smart:1500k:equilibre,,"Tier matrix: Modere 0.95%-0.80%, Equilibre 1.00%-0.85%, Dynamique 1.05%-0.90%. 4 portfolio tiers. Min CHF 950-1050.",4,2026-01-01,pro