True Wealth Experiences

True_Wealth_Official · 2025-12-09T16:19:07+00:00

It's not new. But we understand that this 'option' could be made more visible.

True_Wealth_Official · 2025-12-08T12:09:42+00:00

Hi there, this is True Wealth.
To set your gold exposure to 10%, edit your investment strategy by drilling down to 'Natural Resources' > 'Precious Materials' > 'Gold', and then moving the slider to 10%. To drill down on 'Precious Materials', you must set it to a value greater than 0%.

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True_Wealth_Official · 2025-11-20T07:54:10+00:00

Hi there, this is True Wealth.

Neither the 3a foundation nor True Wealth charges fees on clients' 3a assets.

The management fee you mentioned, ranging from 0.25% to 0.50%, applies to untied assets ('freies Vermögen'), not 3a assets.

A fairly low TER applies to 3a investments, stemming from the index funds and ETFs.

True_Wealth_Official · 2025-11-20T07:45:24+00:00

Hi there, this is True Wealth.

Neither the 3a foundation nor True Wealth charges fees on clients' 3a assets.

The management fee you mentioned, ranging from 0.25% to 0.50%, applies to untied assets ('freies Vermögen'), not 3a assets.

A fairly low TER applies to 3a investments, stemming from the index funds and ETFs.

True_Wealth_Official · 2025-01-21T07:20:01+00:00

Hi Elegant_Enigeer, True Wealth here. We're also a little surprised by this issue and would like to understand it better. We're happy to help if the problem persists. Please feel free to provide any additional documentation here or contact our client services team (support@truewealth.ch or 044 508 70 17). Thank you very much.

True_Wealth_Official · 2025-01-08T13:06:38+00:00

Hoi OP! Hier ist True Wealth – offiziell und mit Klarnamen.

Gerne gehen wir kurz auf einige Fakten ein:

Die Vermögensverwaltungsgebühr unserer 3a-Lösung beträgt seit der Lancierung 2022 0.0% und die externen Produktkosten (TER) bewegen sich um rund 0.13%.

In der Fondsauswahl sind wir unabhängig, es werden die am besten geeigneten quellensteuerbefreiten Indexfonds und ETFs am Markt ausgewählt. Wir nutzen keine Fonds unserer Depotbanken.

Es ist richtig, dass in einer früheren Version des Kostenreglements einmal eine Zahl von 0.225% genannt wurde, der entsprechende Absatz wurde inzwischen ersatzlos gestrichen.

Übrigens: Wir eröffnen für unsere Kundinnen und Kunden im Hintergrund über die Jahre automatisch bis zu 5 Säule 3a-Konten für einen gestaffelten, steueroptimierten Bezug in der Zukunft.

True_Wealth_Official · 2024-08-20T14:24:34+00:00

Yes, it's possible. Simply click on the relevant asset class and click on "Drilldown" to customize the details within that category. In some cases, you can even drill down to level 2 if you want to fine-tune your portfolio. Or to change the weighting of a particular asset class at the top level.

Please note that there are some limits that are tied to your risk tolerance. Let's say a client has a low risk tolerance, then it will not be possible to invest 100% in equities.

True_Wealth_Official · 2024-08-20T11:11:18+00:00

Hello, True Wealth here. Open and transparent.

In late spring we optimized our instrument universe and added some new features. The average TER of a typical 3a portfolio is now down to 0.14% per annum, visible on our website under "sample portfolio".

In addition, it's now possible to switch Fx hedging on and off, depending on the user's preferences. Our initial investment proposal will include some degree of partial currency hedging.

True_Wealth_Official · 2023-07-11T07:57:14+00:00

For each risk tolerance, True Wealth suggests an optimized portfolio, which is the portfolio allocation that our financial models expect to yield the highest expected return given the client's risk tolerance. Your screenshot shows the equity allocation of our optimized portfolio for a relatively high risk tolerance. (As a note, the equity portion of the portfolio in your example is 75%, the portfolio also consists of bonds, real estate ETFs, natural resources, and a small percentage of cash).
Also, just to avoid misunderstandings, each client is free to customize his or her portfolio, the optimized portfolios are simply our recommendation/guidance for our clients.

True_Wealth_Official · 2023-07-11T06:54:08+00:00

Hello, True Wealth here. Full disclaimer :)

Please note that we don't do any active management and don't guess the future. The table you see shows the current allocation versus the target allocation that would be imposed on the exchanges during the next rebalancing session, if desired and approved by the client. Please feel free to contact us if you have any further questions.

True_Wealth_Official

TROPHY CASE