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Balanced

With a medium equity ratio, combined with bonds and some real estate, you aim for a good balance between risk and return. Medium fluctuations in value won't throw you off balance. You invest 40% of your equities in Switzerland.

Share of equities
%
CHF share
%
TER
%

Risk/return

medium

Allocation
Equities60%
Bonds59%
Real estate10%
Edelmetalle10%
Liquidity1%

Performance
(as of 31 August 2026)

Ø 5.7%

Net return per year
(since 2005)

Return year to date

%

Ø Return over the last 5 years

%

Ø Return over the last 10 years

%

Largest annual decline (2008)

%

One-time investment of 1'000 francs, after deduction of all costs

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ETFs used

(G)=Grow | (S)=Start (i)

Art

ETF name

ISIN

TER

Share

Equities Switzerland

iShares Core SPI

CH0237935652

0.10%

18.0%

(G)

|

24.0%

(S)

Equities Switzerland

UBS SPI Mid

CH0130595124

0.25%

6.0%

(G)

|

0.0%

(S)

Equities USA

iShares MSCI USA Screened

IE00BFNM3G45

0.07%

24.1%

(G)

|

29.4%

(S)

Equities Europe

iShares MSCI Europe Screened

IE00BFNM3D14

0.12%

5.5%

(G)

|

6.6%

(S)

Equities Japan

iShares MSCI Japan Screened

IE00BFNM3L97

0.15%

1.9%

(G)

|

0.0%

(S)

Equities EM

iShares MSCI Emerging Markets Screened

IE00BFNM3P36

0.18%

4.5%

(G)

|

0.0%

(S)

Corporate bonds

iShares Core Corporate Bond

CH0226976816

0.15%

17.4%

(G)

|

29.0%

(S)

Government bonds

iShares Swiss Government Bond

CH0016999846

0.15%

8.7%

(G)

|

0.0%

(S)

High yield bonds

iShares Emerging Markets Bond

IE00BF553838

0.45%

2.9%

(G)

|

0.0%

(S)

Real estate Switzerland

UBS SXI Real Estate Funds

CH0105994401

0.97%

10.0%

(G)

|

10.0%

(S)

Allocation in detail

Refers to Grow

Split by equities

20%

Switzerland SPI12%
USA10%
Japan1%
Emerging markets10%

60% abroad, 40% Switzerland, or in other words: Global diversification with a focus on Switzerland. You invest in around 3'750 companies across 44 countries.

Why this focus on Switzerland?
There are several reasons for Swiss equities, such as tax benefits and no foreign currency risk.
Nevertheless, the Swiss stock market is heavily dependent on a few sectors (pharma and consumer goods). For instance, Nestlé, Novartis, and Roche account for one third of the SPI. That's why we add 80 mid-sized Swiss companies like Logitech, Schindler, or Helvetia.

But we bring the the whole world on board for you. The breakdown across different countries and regions is based on the size of their capital markets. Outside Switzerland, we exclusively choose sustainable ETFs that avoid investments in nuclear power, coal, or weapons.

These are your largest equity positions (share in % of your investment solution):

Switzerland:

Roche

2.5

%

|

Novartis

2.4

%

|

Nestlé

2

%

|

ABB

1.4

%

|

UBS

1.2

%

|

Global:

Nvidia

1.8

%

|

Apple

1.7

%

|

Alphabet (Google)

1.5

%

|

Microsoft

1

%

|

Amazon

0.9

%

|

Split by bonds

20%

Corporate bonds in CHF60%
Swiss government bonds in CHF30%
High yield bonds in US dollars10%

We hold first-class bonds mainly to stabilize your investment solution in times of crisis. 60% are held in solid corporate bonds in Swiss francs. These have no currency risk and, thanks to a high credit rating (investment grade), a low risk of default. 30% are invested in safe Swiss government bonds. All this brings peace of mind to your investment.
For a bit of extra spice, we add high-yield bonds from emerging markets. This accounts for 10% (of the bond portion, which is just under 3% of your investment solution). They are held in USD and are therefore subject to currency fluctuations.

Split by real estate

20%

For real estate, we invest completely in Switzerland for you. The focus is on residential buildings, with office and commercial properties added to the mix. This allows you to participate in the long-term value appreciation of the Swiss real estate market.
We consciously rely only on pure real estate funds instead of shares in real estate companies. This increases the diversification effect compared to equities and brings more stability to your investment solution.

Liquidity

2%

We hold around 1% of your investment solution as a liquidity buffer in your account. That way, we don't have to sell any ETF shares when the next fee settlement is due, and we can use this buffer if your deposit or withdrawal amount is not exactly divisible by the ETF prices.

This factsheet is marketing material