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.
Spicy
Risk Level
60% of your assets are invested in a mix of financial products. Can cause breaking out in the sweat.
Performance
Estimated return per year: 4.7%
Volatility: 10%
The spicy mix involves a slightly raised level of volatility, as it consists of 2/3 equities and 1/3 bonds. Real estate funds, foreign currencies (mainly CHF and USD) and the precious metal gold provide the extra garnish that gives this strategy its special flair.
Healthcare, consumer staples, IT, financials and industrials are the key puzzle pieces of the spicy strategy.
Its main investments in Switzerland and the USA give this strategy a balanced amount of spice.
Thanks to this strategy, you can confidently count yourself among the shareholders of prestigious companies such as Nestlé, Apple or Richemont.
Important global currencies such as the Swiss franc and the US dollar are the stars of this portfolio.
Hot
Risk Level
Jalapeño alert: 80% of your assets are invested, which is risky but suitable for the long term.
Performance
Estimated return per year: 5.6%
Volatility: 13%
Careful, things are hotting up now! Equities (including Nestlé, Roche and Amazon) play a big role in this strategy and add a decent kick of heat to your portfolio. You will also find bonds, real estate funds, liquidity and precious metals in small doses here.
The essential ingredients for this strategy come from healthcare, IT, consumer staples and financials.
The main investments in the USA and Switzerland add an extra-special touch to this portfolio.
Next time you’re enduring some small talk at a party, you can brag about being a shareholder in Apple, Microsoft and Amazon – because they (and others) are all part of this portfolio.
The hot strategy is mainly based on the domestic currency: the Swiss franc.
Fiery
Risk Level
Not for the faint-hearted: With 99% of your assets invested in equity, this experience will be intense.
Performance
Estimated return per year: 6.4%
Volatility: 15.1%
Ay, caramba! If this strategy were a chilli, it would probably be a jalapeño, because it’s loaded with equities (Nestlé, Roche, Novartis and Apple are in the top 10) and leaves little room for other investments. Higher return opportunities, with increased risk.
The investment mix in the fields of healthcare, IT, consumer staples, financials, and more is sure to win the race here.
The combination of different countries (Switzerland, USA, Japan, UK, etc.) is the recipe for this strategy.
The puzzle pieces of this portfolio primarily include high-ranking blue-chip equities.
While international currencies such as the Hong Kong dollar or the Indian rupee are also present, the Swiss franc is the red-hot core of this strategy.