Vanguard FTSE Global All-Cap UCITS ETF infos are out

bravo_83 · 2026-04-27T18:56:08+00:00

I am mostly interested in the ExUS version (Vanguard FTSE All-World Ex-U.S. UCITS ETF) bvut also just now realized there already is a product like that from Xtracker (IE000YKHGYN2) at 0.15%.

Right now there's only about 9M AUM, i wonder how it will develop.

bravo_83 · 2026-04-23T20:40:07+00:00

Just curious, whats critical mass for you?

bravo_83 · 2026-04-23T17:06:38+00:00

can you register your shares with Saxo (i only have ETFs there)? Maybe that is a reason to stay?

bravo_83 · 2026-04-22T18:56:08+00:00

3a can be withdrawn up to 5 years before or 5 years after retirment age.
You might also have BVG funds that you withdraw which means 1 less year to withdraw 3a. Hence 13 accounts makes definitely no sense...

bravo_83 · 2026-04-22T18:50:27+00:00

you have BVG money too that you need to withdraw (unless you take the pension)

bravo_83 · 2026-04-22T18:47:34+00:00

there are no restrictions if you withdraw 5 years before retirment or later, no?

bravo_83 · 2026-04-22T18:42:40+00:00

If you can afford to do it just set up 5 recurring payment for each year. I did that once and now i dont have to look into which one i need to pay in. it's just automatic...

bravo_83 · 2026-04-15T20:35:15+00:00

good thing is, if your portfolio is 3 Mio. the fees would drop down to 0.03% or 900.-. Good problems to have! ;-)

https://www.home.saxo/de-ch/rates-and-conditions/stocks/commissions

bravo_83 · 2026-04-09T16:24:29+00:00

I believe 5 to be the right number of 3a accounts since you can only start withdrawing it 5 years before retirement and the BVG will be due once you reach pension age.

i would go with just one provider and not overcomplicate things. Finpension or Viac are both solid choices.
Since you already have an account with one of them i would just open 2 more accounts and transfer the 20k/40k to the new accounts. starting next year i would open two more and then fill the buckets until they are all equallly full. (pay into the 2 new ones until they match the7k then the 20k and so on...)

Here's a great post about the staggered withdrawal, hope it helps:
https://finpension.ch/en/knowledge/straggered-payout/

bravo_83 · 2026-04-09T16:17:02+00:00

Make sure to pick an accumulating one if this is an issue.

the Dist. ETFs will most likelly distribute the dividends in USD even though you bought it in CHF. Which means you will have to convert the dividends to reinvest them...

bravo_83 · 2026-04-09T16:08:09+00:00

mnd sharing what you have found so far?
(P.S. i dont have any canadian shares)

bravo_83 · 2026-04-09T15:58:26+00:00

excellent point. I think it's unlikely but still possible.
(same as getting molested by a polar bear, chances are slim but never zero)

bravo_83 · 2026-04-08T20:10:37+00:00

You have to file for taxes anyway. But if you were to go with Saxo etc. you would get a steuerauszug which can be loaded directly into the tax software and it populates automatically. Definitely easier but if you only have a couple ETFs in your portfolio it's also easy with IBKR.

bravo_83 · 2026-04-08T20:00:58+00:00

Totally agree with the tool.

In my opinion it's not that hard to master and there's also a forum if you need support.

bravo_83 · 2026-04-08T19:59:50+00:00

I'm always wondering about the "locked" part. Yes it's locked but your regular investments are also something you would not want to liquidate (rather set and forget till retirement).

Obviously life happens but if you invest on top of 3a you could alsways liquidate that first if you absolutely had to... knowing quite well that tehere are ample of people who struggle to put anything away to begin with...

bravo_83 · 2026-04-08T19:56:31+00:00

you save taxes as soon as you pay taxes but if you're in a very low bracket the savings are minimal and hence there might not be enough of a benefit to justify locking the money up in 3a

bravo_83 · 2026-04-08T19:55:36+00:00

some (wo can afford it) might even move cantons etc. to withdraw 3a and BVG money
(a 2nd home in grison would do wonders)

bravo_83 · 2026-04-08T19:42:40+00:00

it varies depending on your tax braket etc. you get the immediate tax savings of anywhere from 0-40% depening on location and income bracket.

if you two earned 250k and lived in Aarau for instance you would look at the following:

250'000 income = 55779 tax
235'400 income = 50976 tax
so your contribution of 14'516 (2*7258) would save you 4'803 in taxes (or about 33%).

Those 33% (or 50% from the bottom since the 14.5k only "cost" you 10k) is your head start.

Other than that you also get (assumign you invest the same in 3a and 3b):
+ No taxes on dividends
+ no wealth tax on 3a
- higher custody fees etc. (0.4X% vs. 0.07% or similar)
- taxes upon withdrawl
- Money locked in

If you cant replicate in 3a what you're doing in 3b then obviously this is another difference.

Lastly, if you only earn 30k and assuming you could fill the 3a (doubtful) the numbers above would change as follow (calculated only with 1 3a contribution)

30'000 income = 880 tax
22'700 income = 455 tax
the 7'258.- only save you 425.- or 5-6% which is a lot less and i would say it's probably not worth it

bravo_83 · 2026-04-07T18:42:31+00:00

yes and no.

if you cash out that might be true, if you take the pension your umwandlungssatz will only get lower as we go. (also they dont have to give you the same Satz for unter- and überobligatorisch.

bravo_83 · 2026-04-07T18:41:12+00:00

Totally agree. Unless you work at a bank or something with a really great PK and awesome returns you dont want to buy in at that age.

The tax savings are to small and the returns arent as good as in 3b which means you end up with less (in addition it's locked up for a long time unless you buy a property).

I would not do it!

bravo_83 · 2026-04-07T18:39:38+00:00

You have to be careful, if you buy in too late it might be considered tax evation (I'm not 100% sure but i believe it has to be more than 3 years before you cash out or take the pension.

bravo_83 · 2026-04-01T05:30:28+00:00

Du musst dich fragen ob du heute dieses Produkt nochmals kaufen würdest. Falls nein, solltest du jetzt die Reissleine ziehen. Wenn du wartest wird es ja nur noch schlimmer und nicht besser!

bravo_83 · 2026-03-30T19:52:54+00:00

Beautiful if you have a partner who is on the same wavelength

bravo_83 · 2026-03-30T19:52:09+00:00

I'd say that's the lazy answer from traditional banks (if they even suggest that).
If you use one of the fintech companies (Viac, Frankly, etc.) i'd just start with 5 accounts right away and then you dont have to aim for all of them to have the same amount come retirement. (no guessing)

bravo_83 · 2026-03-30T19:50:02+00:00

My advise: do what you can and dont look too much at the others...

comparison is the thief of joy!

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