product_feature: scobag:vorsorge_3a_direktinvest:pf:direct_investment_philosophy
This data as json
| id | product_id | feature_key | feature_value | note | source_page |
|---|---|---|---|---|---|
| scobag:vorsorge_3a_direktinvest:pf:direct_investment_philosophy | scobag:vorsorge_3a_direktinvest | pricing_condition | Direct-investment philosophy on 3a — FIRST observed in dataset | Quote from product page: "Die Scobag investiert bei der Säule 3a aus Überzeugung 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. |