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Old 25.11.2020, 11:31
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Re: VIAC 3rd Pillar - ROI seems off

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-20% to +10% requires a ~35% price appreciation, assuming no fresh money has been added. Is that the case?
Also, your US exposure is 35% + 2/3 * 25% ~= 52%, that is, approximately half that of SPY/VTI.
Adding to that: The selected "CSIF US ESG Pension Fund" does not reflect the S&P 500. That would be "iShares Core S&P 500" or a bit broader, but not as broad as VTI the "UBS ETF MSCI USA SRI"
https://viac.ch/en/pillar-3a/strategies/

"CSIF US ESG Pension Fund" tracks the MSCI USA ESG Leaders
https://www.msci.com/documents/10199...2-3c0ec1f38dd5
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