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.
Tasty
Risk Level
Investment strategy with 46% Bonds, 40% Equities, 12% Alternative Investments, and 2% Liquidity, commodities and liquidities.
Performance
Estimated return per year: 3.7%
Volatility: 7.6%
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.
The tasty strategy invests in a wide range of economic sectors: primarily healthcare, consumer staples, financials and IT.
Investments are mainly distributed between Switzerland and the USA.
Big fish such as Nestlé, Roche, Apple and Microsoft make their way into this portfolio.
Numerous foreign currencies form one of the building blocks of this strategy, but the Swiss franc makes up the largest part.