id,product_id,feature_key,feature_value,note,source_page
scobag:1e_kadervorsorge:pf:wm_plus_pension_hybrid,scobag:1e_kadervorsorge,pricing_condition,WM + occupational-pension hybrid — distinguishes from pure-WM private banks,"Scobag operates a 1e BVG occupational pension offering alongside its wealth management. The 1e is for income above CHF 136,080 (1.5x BVG-max). This wealth-mgmt + pension-expert hybrid distinguishes Scobag from pure-WM atom #274 banks like Pictet/Lombard Odier/UBP. Combines the bank-side WM with foundation-side pension administration — same shape that drives the atom #292 regulatory bifurcation.",