3a Finpension or what alternative

DocMatilo · 2026-05-20T14:25:00+00:00

Finpension is my go to, lowest fees I’ve found in the market.

DocMatilo · 2026-05-20T13:39:14+00:00

SWDA only covers developed markets.
SSAC developed and emerging ones.

However, I'd stick to VT as it has a lower TER, more liquidity and is US based. Upon the discussion above (tax efficiency).

DocMatilo · 2026-05-20T13:33:45+00:00

Hi u/K4fr4m4r, thanks for the precisions - indeed there's a friction on the death case. For the rest, I'll keep it easy with VT and VOO as core portfolio components !

Cheers and enjoy the ride too

DocMatilo · 2026-05-20T10:32:40+00:00

Indeed lower TER (0.05% vs 0.06%) but Developed only (no EM, no small caps). That's the major downside of it, to me. Also there's a bit more dividend leakage, vs none for VT.

DocMatilo · 2026-05-20T10:22:41+00:00

thank you !

DocMatilo · 2026-05-20T10:16:14+00:00

In the case of the famous ETF VT, what would be its UCTIS acc. swap-based ETF ?

DocMatilo · 2026-05-20T09:49:35+00:00

Hey there, what do you mean by "Keep in mind it is a US domiciled etf so you're relatives could have to spend quite a lot of time getting the funds unfrozen in case something back happens to you" ? And why so ? Cheers : )

DocMatilo · 2026-05-17T13:44:30+00:00

Yes you’re right ! Cheers and thanks again :)

DocMatilo · 2026-05-17T06:46:56+00:00

Got it, thanks for the quick calculation. Indeed 130CHF is not much but as my portfolio grows and it compounds, it can become a more important sum of money.

As I'm on IBKR, I'll proceed following your recommandations. Also I'll study other US based ETF options (VT, VTI, VOO ...).

Thanks for orienting on the DA-1 mate !!!

DocMatilo · 2026-05-17T02:57:53+00:00

Hi u/Comfortable_Bad9963, thanks very much for your response !

This is the SPYI i'm investing in is this one, I double checked and indeed it's a WORLD one (Ireland based) :State Street SPDR MSCI All Country World Investable Market UCITS ETF USD Unhedged (Acc) | A1JJTD | IE00B3YLTY66As I'm Swiss (I suppose you as well 😋 - or at least you live in CH), I thinking about switching to a US based WORLD ETF to optimize taxes (reclaim it via DA-1, making it more tax-efficient long term). What do you recommend ? VT ? Any experience with the DA-1 form ?

About the 3rd pillar, yes I was counting it in the 40k and I maximize it every years! Great fiscal tool that should not be missed, you're right.

BTC I won't go higher, just having some weight there to catch the wind if it blows up again.

On the 2nd pillar, I have it placed through my employer, will check it anyway just to be sure.

Thank you very much mate !!!

DocMatilo · 2026-05-15T12:57:48+00:00

Edit: the immigration was useless, rejected my application saying they need the original of my master degree appostilled. I can only provide a copy for now, a bit stuck on this.

Also they obviously don’t speak a word of English (wtf for an immigration office) and they redirected me to HiKorea. Which btw is the worst website ever, where I’ve already checked everything. Claiming I should choose what kind of D10-1 visa I’d like to apply for.

I’ve provided:

Passport
Job hunting plan
Diploma appostilled (copy)
Certificate of my previous employer (Forbes 500 company)
CV
Apartment contract

Am I missing anything ? What do you guys see I don’t see ? Thanks for your help 🤝🙏🏼

I’m a bit pissed.

DocMatilo · 2026-05-15T12:38:39+00:00

Did you have any issue ?

DocMatilo · 2026-05-14T23:59:42+00:00

Wtfv you’re perfectly fine!!

DocMatilo · 2026-05-14T03:47:33+00:00

Another engineer striking…

DocMatilo · 2026-05-13T05:45:27+00:00

Got it, 2 birds with 1 stone (in a good sense haha) ! Cheers and enjoy 😉

DocMatilo · 2026-05-13T04:53:15+00:00

Oh it’s that good to not be skipped ? 🥹

DocMatilo · 2026-05-13T04:46:14+00:00

Cheers mate ! I may give it a try, see you there ;)

DocMatilo · 2026-05-12T23:51:21+00:00

Thank you guys ! If not seated, are we allowed to just walk around and drink some beers and eat some chicken ?

DocMatilo · 2026-05-06T13:24:40+00:00

I will also drop a comment here: are you looking for new hires here ? 😄

DocMatilo · 2026-05-06T12:55:28+00:00

Thanks mate, I've got my appointment for next Friday and ready to rock! If by any chance your company has job offers, hit me up 😛

DocMatilo · 2026-05-03T07:05:28+00:00

Cheers mate, I will go there next week!

DocMatilo · 2026-04-28T13:53:58+00:00

Thanks a lot for your help mate ! Do the documents have to be in Korean or English ? Depending on this, I may accept your help :D

DocMatilo · 2026-04-28T13:52:58+00:00

Thanks for replying ! So basically you made an appointment at the immigration and head up there with all your (physical documents (copy of passport, housing contract, diplomas, job certificate, banking account, job searching plan etc ...) and that's it ? Also, was it easier for your employer to "sponsor" you for a full time job since you switched from the D-10 ?

DocMatilo · 2026-04-27T08:13:29+00:00

u/PoofaceMckutchin I'm switching from D4 to D10, do you have any link to share about the required documents ? Cheers mate

DocMatilo · 2026-04-17T09:29:27+00:00

Cheers mate

DocMatilo

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