product_feature

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

3 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:atom_292_regulatory_bifurcation Scobag 3a Direktinvest — Säule 3a Direktanlagen scobag:vorsorge_3a_direktinvest pricing_condition Atom #292 — regulatory-bifurcated fee-disclosure posture (FIRST OBSERVED) Scobag is the first observed case where the same banking group operates two legal entities with OPPOSITE fee-disclosure postures, each appropriate to its regulator: - Scobag Privatbank AG (bank): tailored per FINSA Art. 31 opt-out (no published bank-side schedule) - Stiftung Scobag 3a Direktinvest (foundation): published per OAK BV pension-foundation transparency requirements (0.60% AM+custody + 0.30% admin = 0.90% all-in) Pension-foundation-side transparency confirms the bank COULD publish its own bank-side rates but chooses not to. The bifurcation matches the regulatory environment exactly. Worth checking other CH private banks with affiliated 3a foundations (Reichmuth, Maerki, Baumann, Trafina) to see if the pattern is general — could become an atom #274 sub-cohort.  
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);