What is included in the all-in-fee 0.44%?
The all-in fee is the price that includes several fees for using frankly. The all-in fee is only charged on the securities balances but not on your 3a or vested benfits cash savings.
Included in the all-in fee
- Opening an account
- Account administration
- Closing an account
- Additions / disposals
- Custody of the securities portfolio
- Advance withdrawal for home ownership assistance programme*
- Pledging for home ownership assistance programme
- All-in fee for the investment product
*Only applies to the early withdrawal of pillar 3a. A fee of CHF 200 is charged for the early withdrawal of vested benefits. Only purchasing share certificates in a housing cooperative is free of charge.
Not included in the all-in-fee
The all-in fee does not include any issue and redemption charges for indexed investment products or any fees and additional costs charged directly to the investment product (for example: bid-ask spreads, commissions, taxes, duties and the total expense ratio (TER) for exchange-traded real estate funds).
Moreover, fees are charged for re-ordering documents and for address enquiries and investigations for dormant pillar 3a or vested benefits assets.
In the case of special expenses incurred by the Foundation (such as time-consuming correction postings caused by the client or a disproportionate number of transactions on the part of the client), fees may be charged at standard bank rates.