You’ll pay 0.39–0.45% management fees per year for your pillar 3a, depending on how much money is in your 3a portfolios. The fees are charged quarterly. As soon as you reach your next threshold, the fee will be automatically reduced from the beginning of the next quarter.

• 0 - 4’999 CHF: 0.45%

• 5’000 - 9’999 CHF: 0.44%

• 10’000 - 24’999 CHF: 0.43%

• 25’000 - 49’999 CHF: 0.41%

• 50’000 CHF and more: 0.39%

This management fee includes all account and custody account maintenance costs as well as all investments and sales. Our products are also free of stamp duties (this is something you should definitely bear in mind when comparing 3a products).

We do not charge any direct product costs (TER). Some funds may incur minimal «fund of fund» costs. These costs are not charged to you directly, but are factored into the performance of your strategy. You will actually incur these costs through all 3a providers in Switzerland, but they are often not disclosed transparently. With us, these indirect product costs are only incurred for two strategies:

• neon Offensive 100 strategy: 0.04%

• neon Dynamic 80: 0.07%