Bonds 47% Swisscanto (CH) Index Bond Fund Total Market AAA-BBB CHF Responsible NT CHF – (link to Factsheet) 10% Swisscanto (CH) Index Bond Fund World (ex CHF) Govt. (I) NTH1 CHF – (link to Factsheet) 8% Swisscanto (CH) Index Bond Fund Corp. World Responsible NTH1 CHF – (link to Factsheet) Equities 15% Swisscanto (CH) Index Equity Fund Switzerland Total Responsible NT CHF – (link to Factsheet) 5% Swisscanto (CH) Index Equity Fund World (ex CH) Responsible NTH1 CHF – (link to Factsheet) Real estate 10% Swisscanto (CH) Index Real Estate Fund Switzerland indirect NT CHF – (link to Factsheet) Physical gold 4% Swisscanto (CH) Index Precious Metal Fund Gold Physical NT CHF – (link to Factsheet) Money market 1% Swisscanto (LU) Money Market Fund Responsible CHF FT – (link to Factsheet)

Bonds 29% Swisscanto (CH) Index Bond Fund Total Market AAA-BBB CHF Responsible NT CHF – (link to Factsheet) 10% Swisscanto (CH) Index Bond Fund World (ex CHF) Govt. (I) NTH1 CHF – (link to Factsheet) 9% Swisscanto (CH) Index Bond Fund Corp. World Responsible NTH1 CHF – (link to Factsheet) Equities 17% Swisscanto (CH) Index Equity Fund Switzerland Total Responsible NT CHF – (link to Factsheet) 20% Swisscanto (CH) Index Equity Fund World (ex CH) Responsible NTH1 CHF – (link to Factsheet) 3% Swisscanto (CH) Index Equity Fund Emerging Markets Responsible NT CHF – (link to Factsheet) Real estate 10% Swisscanto (CH) Index Real Estate Fund Switzerland indirect NT CHF – (link to Factsheet) Physical gold 4% Swisscanto (CH) Index Precious Metal Fund Gold Physical NT CHF – (link to Factsheet) Money market 1% Swisscanto (LU) Money Market Fund Responsible CHF FT – (link to Factsheet)

Equities 25% Swisscanto (CH) Index Equity Fund Switzerland Total Responsible NT CHF – (link to Factsheet) 31% Swisscanto (CH) Index Equity Fund World (ex CH) Responsible NTH1 CHF – (link to Factsheet) 4% Swisscanto (CH) Index Equity Fund Emerging Markets Responsible NT CHF – (link to Factsheet) Bonds 15% Swisscanto (CH) Index Bond Fund Total Market AAA-BBB CHF Responsible NT CHF – (link to Factsheet) 10% Swisscanto (CH) Index Bond Fund World (ex CHF) Govt. (I) NTH1 CHF – (link to Factsheet) 7% Swisscanto (CH) Index Bond Fund Corp. World Responsible NTH1 CHF – (link to Factsheet) Real estate 4% Swisscanto (CH) Index Real Estate Fund Switzerland indirect NT CHF – (link to Factsheet) Physical gold 3% Swisscanto (CH) Index Precious Metal Fund Gold Physical NT CHF – (link to Factsheet) Money market 1% Swisscanto (LU) Money Market Fund Responsible CHF FT – (link to Factsheet)

Equities 30% Swisscanto (CH) Index Equity Fund Switzerland Total Responsible NT CHF – (link to Factsheet) 46% Swisscanto (CH) Index Equity Fund World (ex CH) Responsible NTH1 CHF – (link to Factsheet) 4% Swisscanto (CH) Index Equity Fund Emerging Markets Responsible NT CHF – (link to Factsheet) Bonds 4% Swisscanto (CH) Index Bond Fund Total Market AAA-BBB CHF Responsible NT CHF – (link to Factsheet) 3% Swisscanto (CH) Index Bond Fund World (ex CHF) Govt. (I) NTH1 CHF – (link to Factsheet) 2% Swisscanto (CH) Index Bond Fund Corp. World Responsible NTH1 CHF – (link to Factsheet) Real estate 6% Swisscanto (CH) Index Real Estate Fund Switzerland indirect NT CHF – (link to Factsheet) Physical gold 4% Swisscanto (CH) Index Precious Metal Fund Gold Physical NT CHF – (link to Factsheet) Money market 1% Swisscanto (LU) Money Market Fund Responsible CHF FT – (link to Factsheet)

Equities 40% Swisscanto (CH) Index Equity Fund Switzerland Total Responsible NT CHF – (link to Factsheet) 52% Swisscanto (CH) Index Equity Fund World (ex CH) Responsible NTH1 CHF – (link to Factsheet) 7% Swisscanto (CH) Index Equity Fund Emerging Markets Responsible NT CHF – (link to Factsheet) Money market 1% Swisscanto (LU) Money Market Fund Responsible CHF FT – (link to Factsheet)

Decoding the Yuh 3a Strategies

Yuhman 7 min read

There’s been plenty of activity in the Yuh product kitchen for months. Things have been simmering, steaming and bubbling away like crazy, and after umpteen overboiling brainstorming sessions and heated debates, we finally concocted the crisp idea for this superlative «financial morsel»: Yuh 3a – the pillar 3a which doesn’t just invest your savings, but also does so wisely. And that’s not all. This little treat is also garnished with five different investment strategies tailored to differing risk requirements and return expectations to suit your personal taste and preferences. Let’s have a look at the strategies, which range from «mild» to «fiery». One thing is clear: your mouth will certainly be watering too…

Portfolio

The mild strategy gently tickles your taste buds and is suitable for those who don’t adhere to the «no risk, no fun» mantra. The portfolio largely consists of bonds (approx. 2/3), with the rest made up of equities, real estate funds, foreign currency (exclusively CHF) and the precious metal gold.

See the FAQs for sub-product details and fact sheets.

Sectors

The investments in the mild strategy focus on selected economic sectors with varying weighting: primarily healthcare, consumer staples, as well as industrials and financials.

Countries

Three quarters of these investments are made mainly on local territory, i.e. in Switzerland, followed by the USA.

Top 10 equities

The portfolio contains big players such as Nestlé, Roche, UBS or Richemont.

Currencies

The mild strategy is based 100% on the domestic currency: the Swiss franc.

Portfolio

This strategy brings a little pep to your portfolio with its balanced proportions of bonds and equities (including Nestlé and Apple). When combined, they make up the bulk of its investments. Real estate funds, the precious metal gold and liquidity provide extra flavour.

See the FAQs for sub-product details and fact sheets.

Sectors

The tasty strategy invests in a wide range of economic sectors: primarily healthcare, consumer staples, financials and IT.

Countries

Investments are mainly distributed between Switzerland and the USA.

Top 10 equities

Big fish such as Nestlé, Roche, Apple and Microsoft make their way into this portfolio.

Currencies

Numerous foreign currencies form one of the building blocks of this strategy, but the Swiss franc makes up the largest part.

Portfolio

The spicy mix involves a slightly raised level of volatility, as it consists of 2/3 equities and 1/3 bonds. Real estate funds, foreign currencies (mainly CHF and USD) and the precious metal gold provide the extra garnish that gives this strategy its special flair.

See the FAQs for sub-product details and fact sheets.

Sectors

Healthcare, consumer staples, IT, financials and industrials are the key puzzle pieces of the spicy strategy.

Countries

Its main investments in Switzerland and the USA give this strategy a balanced amount of spice.

Top 10 equities

Thanks to this strategy, you can confidently count yourself among the shareholders of prestigious companies such as Nestlé, Apple or Richemont.

Currencies

Important global currencies such as the Swiss franc and the US dollar are the stars of this portfolio.

Portfolio

Careful, things are hotting up now! Equities (including Nestlé, Roche and Amazon) play a big role in this strategy and add a decent kick of heat to your portfolio. You will also find bonds, real estate funds, liquidity and precious metals in small doses here.

See the FAQs for sub-product details and fact sheets.

Sectors

The essential ingredients for this strategy come from healthcare, IT, consumer staples and financials.

Countries

The main investments in the USA and Switzerland add an extra-special touch to this portfolio.

Top 10 equities

Next time you’re enduring some small talk at a party, you can brag about being a shareholder in Apple, Microsoft and Amazon – because they (and others) are all part of this portfolio.

Currencies

The hot strategy is mainly based on the domestic currency: the Swiss franc.

Portfolio

Ay, caramba! If this strategy were a chilli, it would probably be a jalapeño, because it’s loaded with equities (Nestlé, Roche, Novartis and Apple are in the top 10) and leaves little room for other investments. Higher return opportunities, with increased risk.

See the FAQs for sub-product details and fact sheets.

Sectors

The investment mix in the fields of healthcare, IT, consumer staples, financials, and more is sure to win the race here.

Countries

The combination of different countries (Switzerland, USA, Japan, UK, etc.) is the recipe for this strategy.

Top 10 equities

The puzzle pieces of this portfolio primarily include high-ranking blue-chip equities.

Currencies

While international currencies such as the Hong Kong dollar or the Indian rupee are also present, the Swiss franc is the red-hot core of this strategy.