product_feature

Data license: CC-BY-4.0 · Data source: bankproducts.info

2 rows where product_id = "scobag:vorsorge_3a_direktinvest"

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id ▼ product_id feature_key feature_value note source_page
scobag:vorsorge_3a_direktinvest:pf:direct_investment_philosophy Scobag 3a Direktinvest — Säule 3a Direktanlagen 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.  
scobag:vorsorge_3a_direktinvest:pf:three_strategies Scobag 3a Direktinvest — Säule 3a Direktanlagen scobag:vorsorge_3a_direktinvest pricing_condition Three 3a strategies — Ausgewogen / Dynamisch / Aktien (max 40/60/100% equities) Scobag 3a Direktinvest offers three pre-defined investment strategies: Ausgewogen (max 40% equities), Dynamisch (max 60%), Aktienstrategie (max 100% equities). Direct-investment vehicle. Same 0.90% all-in fee applies to all three.  

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CREATE TABLE product_feature (
    id          TEXT PRIMARY KEY,
    product_id  TEXT NOT NULL REFERENCES product(id),
    feature_key TEXT NOT NULL,          -- withdrawal_limit_free, notice_period, daily_limit, monthly_limit,
                                        -- interest_late_payment, max_balance, included_services, ...
    feature_value TEXT,
    note        TEXT,
    source_page INTEGER
);
CREATE INDEX idx_product_feature_product ON product_feature(product_id);
CREATE INDEX idx_product_feature_key ON product_feature(feature_key);