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…
Mild
Risk Level
With a mere 20% investment in equities, this strategy won’t raise a risk lover’s blood pressure.
Performance
Estimated return per year: 2.9%
Volatility: 5.6%
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.
The investments in the mild strategy focus on selected economic sectors with varying weighting: primarily healthcare, consumer staples, as well as industrials and financials.
Three quarters of these investments are made mainly on local territory, i.e. in Switzerland, followed by the USA.
The portfolio contains big players such as Nestlé, Roche, UBS or Richemont.
The mild strategy is based 100% on the domestic currency: the Swiss franc.