1. What is GKB Gioia?
Gioia 3a is a pillar 3a app offered by Graubündner Kantonalbank (GKB). Gioia is only available as an app – i.e. there is no web version. All Gioia products are actively managed. In the app, you can open up to five pension custody accounts (pillar 3a).
2. GKB Gioia 3a: fees and investment strategies
In the Gioia 3a solution, there are four risk profiles with different stock allocations. You can choose between cautious, laid-back, ambitious and bold. The stock allocation of the products ranges between 25%, 45%, 75% and 97.5% on average. There is no minimum investment.
Fees range from 0.72% to 0.99%. They consist of:
Custody fee of 0.1%
Product costs (TER) between 0.62% and 0.89%
When buying and selling stocks and bonds, additional costs may be charged, for example: stamp duties
3. What are the advantages of GKB Gioia?
A focus on sustainability
Active management
Free strategy change
An account can be opened digitally
Personal advice
Pensions can be optimized
Are you still unsure where to open your pillar 3a account? Optimatis, the brokerage partner of Comparis, will help you find the right pension solution for you. The consultation appointment is free of charge and is non-binding.
4. How do I sign up to Gioia 3a?
You can sign up via the app. If you’re already a GKB customer, you can use your e-banking login details to open a Gioia account. Otherwise, you must register and provide the following information:
Email address (confirmation required)
Telephone number (confirmation required)
Once your mobile phone number has been confirmed, you can start the account-opening process. During this process, you will need to:
enter your address,
scan your ID documents
and sign the contract documents.
