finpension hat den Performance-Vergleich von Säule 3a-Fonds durch neue Parameter ergänzt. Dadurch werden die Zahlen weiter vervollständigt und noch besser vergleichbar. Erfahren Sie in diesem Artikel ebenfalls, worauf es zu achten gilt beim Beurteilen von Performancezahlen und was digitale App-Anbieter anders machen für eine noch bessere Performance.
Neu führt finpension im Performance-Vergleich auch indirekte Kosten auf, die beim Kauf- und Verkauf von Vorsorgefonds anfallen können und zwar die Folgenden:
- Depotgebühren
- Kauf- und Verkaufsgebühren (Courtagen)
Diese Kosten werden in der Spalte Costs+ auf einer jährlichen Basis ausgewiesen. Bei den Transaktionskosten wird von einer Haltedauer von zehn Jahren ausgegangen. Wichtig: Diese zusätzlichen jährlichen Kosten sind in den Performance-Zahlen noch nicht berücksichtigt. Weitere Kosten wie Ausgabe-, Umtausch- und Rücknahmekommissionen sind zudem möglich.
Die TER-Kosten der Fonds werden nicht aufgeführt. Weil die TER-Kosten innerhalb des Fonds anfallen, sind sie bereits in der Performance des Vorsorgefonds berücksichtigt. Die TER sind zu finden im Vergleich der Gebühren von 3a-Fonds.
Welche 3a-Fonds werfen die höchste Rendite ab?
Jede Spalte der Tabelle kann sortiert werden für einen individuellen Vergleich der Kriterien. Standardmässig ist die Tabelle nach dem Aktienanteil sortiert (absteigend). Wo kein Wert erfasst ist, ist keiner verfügbar.
(Factsheets per Ende August 2023)
| Fondsbezeichnung | ISIN / Valor | a/p | Aktien | Costs+ | 1J | 3J | 5J | 10J | 2018 | 2019 | 2020 | 2021 | 2022 | YTD |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BKB Anlagelösung - Nachhaltig Aktien (CHF) V | CH1184401326 | a | 100% | 0.00% | 6.4% | |||||||||
| CSA Mixta-BVG Index 100 A | CH1191106975 | p | 100% | 0.00% | 9.2% | |||||||||
| finpension Global 100 | p | 100% | 0.00% | 4.0% | 5.6% | 5.3% | 25.7% | 7.0% | 20.8% | -17.6% | 8.1% | |||
| LUKB Expert-Vorsorge 100 -E- | CH0352060526 | a | 100% | 0.33% | 10.4% | 12.3% | ||||||||
| OLZ Equity World Optimized ESG | CH0488209336 | a | 100% | 0.00% | -0.6% | 1.6% | -9.9% | 10.8% | -9.2% | 2.7% | ||||
| PF Pension - ESG 100 Fund | CH0484781684 | a | 100% | 0.00% | 6.3% | 5.8% | 22.5% | -16.5% | 7.8% | |||||
| SZKB Ethikfonds Kapitalgewinn V | CH0492416463 | a | 100% | 0.46% | 2.1% | 3.9% | 3.3% | 8.4% | 21.1% | -18.2% | 6.1% | |||
| SZKB Indexanlagen Kapitalgewinn V | CH0492416703 | p | 100% | 0.46% | 3.4% | 5.7% | 3.0% | 4.3% | 21.1% | -16.5% | 8.1% | |||
| UBS Vitainvest Passive 100 Sustainable Q | CH1110134157 | p | 100% | 0.65% | -15.7% | 9.7% | ||||||||
| UBS Vitainvest World 100 Sustainable U | CH0413292308 | a | 100% | 0.00% | 19.5% | 7.0% | 18.3% | -18.5% | 8.1% | |||||
| GKB (CH) Strategiefonds Kapitalgewinn ESG V | CH0485242306 | a | 97% | 0.46% | 3.7% | 3.9% | 4.7% | 20.3% | -18.6% | 7.1% | ||||
| Swisscanto (CH) IPF III Vorsorge Fonds 95 Passiv VT | CH0511961424 | p | 95% | 0.43% | 5.0% | 5.2% | 19.2% | -17.8% | 8.7% | |||||
| Swisscanto AST Avant BVG Responsible Portfolio 95 DT | CH0568992488 | a | 95% | 0.43% | 5.8% | 22.9% | 9.1% | |||||||
| BEKB Strategiefonds Nachhaltig 90 (Vorsorge B) | CH0566362262 | a | 90% | 0.00% | 3.7% | 24.0% | -17.0% | 6.6% | ||||||
| Mobi-Fonds Select 90 3A | CH0484059214 | a | 90% | 0.00% | 1.7% | 4.0% | 5.6% | 7.0% | 16.7% | -16.5% | 4.6% | |||
| Raiffeisen Pension Invest Futura Equity V | CH0441199582 | a | 90% | 0.16% | 3.0% | 3.9% | 20.4% | -20.8% | 6.1% | |||||
| BLKB Next Generation Fund Equity B | CH0370830892 | a | 85% | 0.00% | 2.0% | 3.1% | 3.3% | -14.2% | 23.9% | 3.9% | 17.9% | -15.8% | 4.4% | |
| Migros Bank (CH) Fonds Sustainable 85 V | CH0584307802 | a | 85% | 0.00% | -16.7% | 6.0% | ||||||||
| BCGE Synchrony LPP 80 B | CH0358551346 | a | 80% | 0.25% | 3.2% | -8.5% | 23.1% | 4.8% | 18.6% | -19.2% | 4.6% | |||
| finpension Global 80 | p | 80% | 0.00% | 2.1% | 4.1% | 4.2% | 23.1% | 5.9% | 18.2% | -17.6% | 6.4% | |||
| BKB Anlagelösung - Nachhaltig Wachstum (CHF) V | CH0432492533 | a | 78% | 0.00% | 2.5% | 20.3% | 4.4% | 16.0% | -15.7% | 4.9% | ||||
| BKB Anlagelösung - Wachstum (CHF) V | CH0432492475 | a | 78% | 0.00% | 2.4% | 20.4% | 3.1% | 15.1% | -15.1% | 4.9% | ||||
| CSA Mixta-BVG Equity 75 | CH0382614821 | a | 75% | 0.00% | 3.4% | 3.1% | 3.2% | 19.3% | 6.6% | 16.2% | -17.3% | 7.0% | ||
| CSA Mixta-BVG Index 75 | CH0382614722 | p | 75% | 0.00% | 2.1% | 1.9% | 2.1% | 19.7% | 4.2% | 13.3% | -16.9% | 4.7% | ||
| GKB (CH) Strategiefonds Wachstum ESG V | CH1131363652 | a | 75% | 0.46% | 2.1% | 2.5% | -15.8% | 4.7% | ||||||
| LUKB Expert-Vorsorge 75 -E- | CH0352060435 | a | 75% | 0.33% | 8.2% | 5.1% | 4.8% | -9.0% | 21.4% | 6.7% | 18.3% | -17.1% | 10.3% | |
| PF Pension - ESG 75 Fund | CH0316793139 | a | 75% | 0.00% | 4.0% | 4.4% | -8.1% | 22.0% | 5.3% | 17.0% | -15.6% | 5.6% | ||
| Swisscanto (CH) IPF III Vorsorge Fonds 75 Passiv VT | CH0511961416 | p | 75% | 0.43% | 2.3% | 4.0% | 16.2% | -15.5% | 6.1% | |||||
| Swisscanto BVG 3 Responsible Portfolio 75 RT | CH0414854486 | a | 75% | 0.43% | 4.3% | 4.6% | 4.1% | 18.6% | 5.9% | 17.5% | -14.6% | 7.2% | ||
| UBS Vitainvest Passive 75 Sustainable Q | CH1110134140 | p | 75% | 0.65% | -15.7% | 7.7% | ||||||||
| UBS Vitainvest Swiss 75 Sustainable U | CH0293175037 | a | 75% | 0.00% | 3.5% | -8.7% | 21.7% | 3.3% | 15.4% | -15.3% | 4.9% | |||
| UBS Vitainvest World 75 Sustainable U | CH0293174600 | a | 75% | 0.00% | 2.4% | -10.1% | 17.2% | 6.1% | 14.6% | -16.2% | 5.0% | |||
| ZugerKB Fonds – Strategie Dynamisch (CHF) BV | CH0435830614 | a | 75% | 0.45% | -0.1% | 17.8% | 6.8% | 10.7% | -16.6% | 3.8% | ||||
| SGKB Vorsorge Wachstum Eco V | CH1123159217 | a | 71% | 0.00% | 3.5% | -14.0% | 6.3% | |||||||
| SGKB Vorsorge Wachstum V | CH0422345246 | a | 71% | 0.00% | 2.3% | 1.7% | 19.3% | 0.8% | 11.8% | -14.4% | 5.3% | |||
| BCV Pension 70 AP | CH0528270090 | a | 70% | 0.00% | 1.0% | 2.0% | 14.4% | -16.4% | 4.8% | |||||
| Migros Bank (CH) Fonds Sustainable 65 V | CH0584307794 | a | 65% | 0.00% | -14.9% | 5.3% | ||||||||
| OLZ Smart Invest 65 ESG | CH0328149510 | a | 65% | 0.00% | -1.4% | -0.8% | -0.2% | -4.3% | 10.8% | -3.3% | 6.1% | -10.8% | 1.5% | |
| Raiffeisen Pension Invest Futura Growth V | CH0189322339 | a | 65% | 0.16% | 0.4% | 1.3% | 17.5% | 2.8% | 12.5% | -18.9% | 4.6% | |||
| BLKB iQ Responsible Vorsorge Balanced B | CH0479448240 | a | 63% | 0.00% | ||||||||||
| BLKB Next Generation Fund Growth B | CH0370830843 | a | 63% | 0.00% | 1.6% | 1.7% | 2.5% | -10.3% | 17.6% | 4.5% | 12.6% | -14.3% | 3.9% | |
| SZKB Ethikfonds Wachstum V | CH1128291262 | a | 63% | 0.46% | 2.2% | -16.4% | 5.0% | |||||||
| SZKB Indexanlagen Wachstum V | CH1128291304 | p | 63% | 0.46% | 2.5% | 2.1% | -15.8% | 6.4% | ||||||
| SZKB Strategiefonds Wachstum V | CH0322902484 | a | 63% | 0.46% | 3.4% | 2.1% | 2.6% | -6.9% | 16.1% | 2.6% | 11.3% | -15.4% | 8.8% | |
| BEKB Strategiefonds Nachhaltig 60 (Vorsorge B) | CH0366023528 | a | 60% | 0.00% | 2.3% | 2.0% | 2.5% | -6.8% | 15.3% | 3.5% | 14.1% | -15.7% | 5.2% | |
| finpension Global 60 | p | 60% | 0.00% | 0.9% | 1.8% | 2.8% | 18.8% | 5.8% | 13.3% | -17.1% | 5.0% | |||
| Mobi-Fonds Select 60 3A | CH0211608895 | a | 60% | 0.00% | -0.1% | 2.2% | -4.5% | 13.9% | 4.8% | 7.7% | -13.6% | 4.2% | ||
| Pictet FPPI - LPP/BVG-60 ESG-P | CH1110419004 | a | 60% | 0.00% | -1.0% | -15.7% | 3.0% | |||||||
| BKB Anlagelösung - Regelbasiert (CHF) V | CH0438362888 | a | 59% | 0.00% | 0.8% | -4.5% | 10.3% | -12.3% | 2.2% | |||||
| BKB Anlagelösung - Ausgewogen (CHF) V | CH0432492434 | a | 53% | 0.00% | 0.3% | 14.0% | 2.4% | 9.0% | -13.4% | 3.2% | ||||
| BKB Anlagelösung - Nachhaltig Ausgewogen (CHF) V | CH0432492517 | a | 53% | 0.00% | 0.4% | 14.1% | 3.1% | 10.1% | -14.1% | 3.5% | ||||
| SGKB Vorsorge Ausgewogen Eco V | CH1123158979 | a | 50% | 0.00% | 2.8% | -12.8% | 5.2% | |||||||
| SGKB Vorsorge Ausgewogen V | CH0373465365 | a | 50% | 0.00% | 2.8% | 1.2% | 1.3% | -7.7% | 14.5% | 1.0% | 8.2% | -11.6% | 4.6% | |
| UBS Vitainvest Passive 50 Sustainable Q | CH1110134132 | p | 50% | 0.65% | -14.8% | 5.7% | ||||||||
| UBS Vitainvest Swiss 50 Sustainable U | CH0108526986 | a | 50% | 0.00% | 1.8% | -6.6% | 15.6% | 2.4% | 9.3% | -14.1% | 3.9% | |||
| UBS Vitainvest World 50 Sustainable U | CH0022476508 | a | 50% | 0.00% | -0.8% | -7.2% | 12.7% | 4.5% | 8.5% | -14.9% | 2.5% | |||
| AKB Vorsorge 45 CHF ESG Fokus VT | CH0436637562 | a | 45% | 0.40% | 1.2% | 0.6% | 4.8% | 3.9% | 9.2% | -13.7% | 3.4% | |||
| CSA Mixta-BVG Index 45 | CH0103826761 | p | 45% | 0.00% | -0.1% | -0.2% | 1.5% | 3.2% | -5.4% | 13.7% | 4.9% | 9.1% | -16.3% | 4.1% |
| GKB (CH) Vorsorgefonds 45 ESG V | CH0383837504 | a | 45% | 0.46% | 1.3% | 0.9% | 1.2% | -6.4% | 11.2% | 4.0% | 9.9% | -14.4% | 3.5% | |
| LUKB Expert-Vorsorge 45 -E- | CH0004055171 | a | 45% | 0.33% | 5.0% | 2.5% | 2.9% | 3.4% | -5.6% | 14.4% | 4.6% | 11.5% | -14.1% | 7.0% |
| Migros Bank (CH) Fonds 45 V | CH0023406520 | a | 45% | 0.00% | 1.7% | -5.8% | 12.9% | 1.7% | 9.2% | -12.5% | 4.3% | |||
| Migros Bank (CH) Fonds 65 V | CH0584307778 | a | 45% | 0.00% | -13.5% | 5.1% | ||||||||
| Migros Bank (CH) Fonds 85 V | CH0584307786 | a | 45% | 0.00% | -14.7% | 5.7% | ||||||||
| Migros Bank (CH) Fonds Sustainable 45 V | CH0102706105 | a | 45% | 0.00% | 1.6% | -4.6% | 13.0% | 3.0% | 8.2% | -14.1% | 4.3% | |||
| PF Pension - ESG 50 Fund | CH0012056203 | a | 45% | 0.00% | 0.8% | 1.9% | -5.5% | 13.7% | 3.7% | 9.4% | -14.1% | 3.6% | ||
| Swiss Life BVG Mix 45 P | CH0014369257 | a | 45% | 0.00% | 0.8% | 0.8% | 1.7% | 3.0% | -6.0% | 13.0% | 3.3% | 3.4% | ||
| Swisscanto (CH) IPF III Vorsorge Fonds 45 Passiv VT | CH0511961408 | p | 45% | 0.43% | 0.0% | 1.0% | 9.7% | -13.9% | 3.8% | |||||
| Swisscanto BVG 3 Responsible Portfolio 45 RT | CH0238052978 | a | 45% | 0.43% | 2.0% | 1.8% | 2.7% | -4.3% | 13.8% | 3.7% | 9.9% | -11.5% | 4.5% | |
| Swisscanto BVG 3 Sustainable Portfolio 45 RT | CH0238047721 | a | 45% | 0.43% | 1.8% | 1.0% | 2.2% | -4.1% | 13.3% | 4.6% | 9.6% | -14.6% | 5.4% | |
| ZugerKB Fonds – Strategie Ausgewogen (CHF) BV | CH0382491063 | a | 45% | 0.45% | -1.5% | 1.1% | -8.2% | 15.4% | 6.8% | 6.4% | -16.2% | 2.9% | ||
| CSA Mixta-BVG Maxi | CH0008880665 | a | 43% | 0.00% | 0.2% | 0.4% | 1.3% | 3.0% | -4.9% | 12.5% | 2.6% | 8.8% | -13.3% | 3.6% |
| Bâloise BVG-Mix 40 Plus R | CH0124249738 | a | 40% | 0.40% | 1.1% | 0.8% | 1.2% | 3.0% | ||||||
| Bâloise BVG-Mix Dynamic Allocation 0-80 | CH0432005046 | a | 40% | 0.40% | 2.0% | 2.4% | ||||||||
| BCGE Synchrony LPP 40 B | CH0026517703 | a | 40% | 0.25% | 1.0% | -5.7% | 14.0% | 3.0% | 8.5% | -15.9% | 3.9% | |||
| BCGE Synchrony LPP 40 SRI B | CH0026517869 | a | 40% | 0.25% | 0.7% | -6.7% | 14.0% | 4.2% | 8.8% | -18.8% | 4.8% | |||
| BCV Pension 40 AP | CH0118631784 | a | 40% | 0.00% | 0.1% | 0.0% | 1.2% | -5.3% | 15.1% | 1.9% | 8.1% | -14.9% | 3.7% | |
| BEKB Strategiefonds Nachhaltig 40 (Vorsorge B) | CH0366022702 | a | 40% | 0.00% | 1.3% | 0.2% | 1.0% | -4.8% | 10.3% | 2.9% | 9.4% | -15.1% | 4.3% | |
| BEKB Strategiefonds Nachhaltig Schweiz 40 (Vorsorge B) | CH0366023817 | a | 40% | 0.00% | 2.7% | 0.1% | 1.1% | -4.8% | 10.4% | 2.8% | 7.1% | -13.9% | 4.6% | |
| EFG Life Invest - 40 cl. R | CH0110906226 | a | 40% | 0.00% | -1.6% | 0.1% | -8.0% | 9.4% | 7.5% | 5.3% | -17.3% | 3.5% | ||
| finpension Global 40 | p | 40% | 0.00% | -0.1% | -0.3% | 1.5% | 14.9% | 5.1% | 8.6% | -16.6% | 3.7% | |||
| Pictet FPPI - LPP/BVG-40 ESG-P | CH0017245405 | a | 40% | 0.00% | -1.8% | -0.6% | 0.9% | -6.4% | 12.7% | 4.6% | 7.1% | -14.4% | 1.8% | |
| Raiffeisen Pension Invest Futura Balanced V | CH0102295455 | a | 40% | 0.16% | -1.3% | 0.0% | 12.2% | 2.4% | 7.5% | -18.0% | 3.7% | |||
| SZKB Ethikfonds Ausgewogen V | CH0337624586 | a | 38% | 0.46% | 1.7% | -0.5% | 1.4% | -6.6% | 13.5% | 4.9% | 7.2% | -14.5% | 3.9% | |
| SZKB Indexanlagen Ausgewogen V | CH0492416638 | p | 38% | 0.46% | 1.9% | 0.3% | 1.0% | 3.3% | 8.0% | -14.6% | 4.9% | |||
| SZKB Strategiefonds Ausgewogen V | CH0286264905 | a | 38% | 0.46% | 2.4% | 0.6% | 1.6% | -5.3% | 12.5% | 2.1% | 7.1% | -12.9% | 5.9% | |
| CSA Mixta-BVG | CH0002875703 | a | 35% | 0.00% | -0.1% | -0.3% | 0.8% | 2.4% | -4.0% | 10.5% | 2.3% | 6.6% | -12.6% | 3.1% |
| CSA Mixta-BVG Index 35 | CH0115202738 | p | 35% | 0.00% | -3.3% | -1.1% | 0.8% | 2.5% | -4.6% | 11.5% | 4.4% | 6.6% | -15.8% | 3.7% |
| Pictet FPPI - LPP/BVG-Multi Asset Flexible-P | CH0402419755 | a | 35% | 0.00% | -4.7% | -4.0% | -0.9% | 8.5% | 6.1% | 2.0% | -15.1% | -0.8% | ||
| Swiss Life BVG Mix 35 P | CH0014369166 | a | 35% | 0.00% | 0.6% | 0.2% | 1.2% | 2.5% | -5.0% | 10.6% | 3.0% | 2.9% | ||
| ZugerKB Fonds – Strategie Konservativ (CHF) BV | CH0382492327 | a | 35% | 0.45% | -3.3% | -0.6% | -6.1% | 10.0% | 5.0% | 2.4% | -15.5% | 1.4% | ||
| AKB Vorsorge 30 CHF ESG Fokus VT | CH0436637489 | a | 30% | 0.40% | 0.2% | -0.8% | 3.7% | 3.4% | 6.0% | -13.5% | 2.6% | |||
| BKB Anlagelösung - Einkommen (CHF) V | CH0432492418 | a | 30% | 0.00% | -1.9% | 7.5% | 1.2% | 3.5% | -12.2% | 1.8% | ||||
| BKB Anlagelösung - Nachhaltig Einkommen (CHF) V | CH0432492483 | a | 30% | 0.00% | -1.7% | 7.4% | 1.4% | 4.4% | -12.8% | 2.3% | ||||
| Mobi-Fonds Select 30 3A | CH0016757517 | a | 30% | 0.00% | -1.8% | 0.3% | 1.2% | -3.1% | 8.5% | 2.7% | 1.9% | -12.5% | 4.2% | |
| Bâloise BVG-Mix 25 Plus R | CH0124249662 | a | 25% | 0.40% | 0.7% | -0.3% | 0.4% | 2.0% | ||||||
| BCGE Synchrony LPP 25 B | CH0026517513 | a | 25% | 0.25% | 0.2% | -4.6% | 11.5% | 2.3% | 4.9% | -14.6% | 3.1% | |||
| BCV Pension 25 AP | CH0118631289 | a | 25% | 0.00% | 0.1% | -1.4% | 0.0% | -3.8% | 9.8% | 1.4% | 3.9% | -13.6% | 3.4% | |
| BLKB Next Generation Fund Vorsorge Balanced B | CH0395929836 | a | 25% | 0.00% | 0.6% | 0.0% | 1.0% | 13.6% | 3.5% | 7.8% | -13.2% | 2.8% | ||
| CSA Mixta-BVG Defensiv | CH0007888339 | a | 25% | 0.00% | -0.2% | -0.9% | 0.4% | 1.8% | -3.0% | 8.3% | 2.1% | 4.7% | -11.7% | 2.7% |
| CSA Mixta-BVG Index 25 | CH0115202712 | p | 25% | 0.00% | -0.6% | -2.0% | 0.0% | 1.7% | -3.7% | 9.1% | 3.7% | 4.1% | -15.3% | 3.4% |
| GKB (CH) Vorsorgefonds 25 ESG V | CH0423561395 | a | 25% | 0.46% | 0.5% | -1.1% | 7.3% | 3.4% | 4.8% | -13.2% | 0.5% | |||
| LUKB Expert-Vorsorge 25 -E- | CH0352060427 | a | 25% | 0.33% | 3.1% | 0.5% | 1.4% | -3.7% | 10.0% | 3.0% | 6.2% | -12.2% | 4.8% | |
| Migros Bank (CH) Fonds 25 V | CH0023406496 | a | 25% | 0.00% | 0.2% | -4.0% | 8.4% | 1.0% | 4.4% | -11.7% | 3.2% | |||
| Migros Bank (CH) Fonds Sustainable 25 V | CH0365696902 | a | 25% | 0.00% | -0.2% | -3.0% | 7.9% | 1.5% | 3.1% | -12.8% | 3.2% | |||
| PF Pension - ESG 25 Fund | CH0012056260 | a | 25% | 0.00% | -1.2% | 0.2% | -3.4% | 8.5% | 2.6% | 4.7% | -12.8% | 2.1% | ||
| Pictet FPPI - LPP/BVG-25 ESG-P | CH0017245355 | a | 25% | 0.00% | -1.9% | -2.0% | -0.3% | -5.1% | 9.2% | 3.3% | 3.5% | -13.6% | 1.3% | |
| SGKB Vorsorge Einkommen Eco V | CH1123159118 | a | 25% | 0.00% | 2.1% | -10.6% | 3.7% | |||||||
| SGKB Vorsorge Einkommen V | CH0373465324 | a | 25% | 0.00% | 2.6% | -0.4% | 0.2% | -4.7% | 8.6% | 0.2% | 3.6% | -9.8% | 3.6% | |
| Swiss Life BVG Mix 25 P | CH0014369042 | a | 25% | 0.00% | 0.1% | -0.5% | 0.7% | 1.9% | -4.1% | 8.6% | 2.6% | 2.2% | ||
| Swisscanto BVG 3 Responsible Portfolio 25 RT | CH0238052705 | a | 25% | 0.43% | 1.0% | -0.1% | 1.3% | -2.7% | 9.8% | 2.9% | 5.1% | -10.4% | 3.2% | |
| UBS Vitainvest Passive 25 Sustainable Q | CH1110134124 | p | 25% | 0.65% | -14.3% | 3.9% | ||||||||
| UBS Vitainvest Swiss 25 Sustainable U | CH0108526911 | a | 25% | 0.00% | 0.0% | -4.4% | 9.4% | 1.8% | 3.6% | -13.2% | 2.8% | |||
| UBS Vitainvest World 25 Sustainable U | CH0022476466 | a | 25% | 0.00% | -0.8% | -4.6% | 8.0% | 3.2% | 2.8% | -13.7% | 0.5% | |||
| Bâloise BVG-Mix Dynamic Allocation 0-40 R | CH0343879125 | a | 20% | 0.40% | 1.2% | 0.3% | 1.1% | |||||||
| BEKB Strategiefonds Nachhaltig 20 (Vorsorge B) | CH0366022553 | a | 20% | 0.00% | 0.1% | -2.1% | -0.5% | -3.2% | 6.3% | 2.6% | 3.8% | -14.5% | 3.2% | |
| BLKB Next Generation Fund Vorsorge Yield B | CH0395929802 | a | 20% | 0.00% | -0.2% | -1.1% | 0.3% | 10.8% | 3.2% | 4.7% | -13.0% | 2.0% | ||
| finpension Global 20 | p | 20% | 0.00% | -4.5% | -1.8% | 0.3% | 11.0% | 4.3% | 4.0% | -16.1% | 2.3% | |||
| Swisscanto (CH) Vorsorge Fonds 20 Passiv VT | CH0133721065 | p | 20% | 0.43% | -0.7% | -1.3% | 0.6% | 1.6% | -3.8% | 9.2% | 4.1% | 4.3% | -13.0% | 2.6% |
| AKB Vorsorge 15 CHF ESG Fokus VT | CH0436637448 | a | 15% | 0.40% | -0.5% | -2.2% | 2.6% | 2.4% | 2.4% | -12.8% | 2.1% | |||
| Bâloise BVG-Mix 15 Plus R | CH0124249597 | a | 15% | 0.40% | 0.7% | -1.1% | -0.2% | 1.3% | ||||||
| Pictet FPPI - LPP/BVG-10 ESG-P | CH0296545129 | a | 10% | 0.00% | -1.7% | -2.9% | -1.1% | -3.6% | 6.2% | 1.6% | 0.8% | -12.7% | 1.2% | |
| Swisscanto BVG 3 Responsible Portfolio 10 RT | CH0238051954 | a | 10% | 0.43% | 0.5% | -1.7% | 0.2% | 1.2% | -1.4% | 6.7% | 2.1% | 1.5% | -10.2% | 2.7% |
| SZKB Strategiefonds Einkommen V | CH0286264756 | a | 10% | 0.46% | 1.4% | -0.8% | 0.1% | -3.9% | 7.2% | 1.3% | 3.2% | -11.3% | 4.0% | |
| SZKB Ethikfonds Einkommen V | CH0337623745 | a | 5% | 0.46% | 0.8% | -2.0% | -0.2% | -4.3% | 7.6% | 3.1% | 2.7% | -12.9% | 2.8% | |
| SZKB Strategiefonds Zinsertrag Plus V | CH0286263683 | a | 5% | 0.46% | 0.8% | -4.4% | -2.1% | -3.0% | 5.7% | 1.2% | 1.5% | -10.5% | 2.7% | |
| BCGE Synchrony LPP Bonds B | CH0026517331 | a | 0% | 0.25% | -2.0% | -0.9% | 1.3% | -0.5% | -2.0% | -11.4% | 3.6% | |||
| CSA Mixta-BVG Basic | CH0014861493 | a | 0% | 0.00% | 0.9% | -0.6% | 0.2% | 0.7% | 0.5% | 1.8% | 1.4% | 0.2% | -4.6% | 1.9% |
| finpension Global 0 | p | 0% | 0.00% | 0.6% | -1.5% | -1.1% | -0.1% | -0.5% | -0.9% | -5.2% | 1.4% | |||
| Migros Bank (CH) Fonds 0 V | CH0365696696 | a | 0% | 0.00% | -1.8% | -1.6% | 3.2% | 0.0% | -1.4% | -11.2% | 1.3% | |||
| Migros Bank (CH) Fonds Sustainable 0 V | CH0365696852 | a | 0% | 0.00% | -2.3% | -1.1% | 2.4% | 0.1% | -2.8% | -11.6% | 0.9% | |||
| Pictet FPPI - LPP/BVG-Short-Mid Term Bonds-P | CH0017245074 | a | 0% | 0.00% | 2.4% | -1.0% | -0.9% | -0.8% | -0.3% | -0.6% | -0.2% | -5.0% | 2.1% | |
| Raiffeisen Pension Invest Futura Yield V | CH0102295414 | a | 0% | 0.16% | -3.2% | -1.4% | 8.4% | 1.4% | 2.3% | -16.7% | 2.9% | |||
| SZKB Obligationenfonds CHF V | CH1143789514 | a | 0% | 0.46% | 2.1% | -10.9% | 4.2% |
Was ist zu beachten beim Vergleich von 3a-Fonds?
- Aktienanteil: Vergleichen Sie die Rendite von Fonds mit ähnlich hohem Aktienanteil. Wenn Sie 3a-Fonds mit unterschiedlich hohem Aktienanteil vergleichen, vergleichen Sie Äpfel mit Birnen. Denn das Pendant zur Rendite ist immer das Risiko und am einfachsten lässt sich das Risiko mit dem Aktienanteil ausdrücken. Mit einem hohen Aktienanteil hat man höhere Renditechancen aber auch ein höheres Risiko.
- Zeitdauer: Vergleichen Sie die Rendite einer möglichst langen Periode. Ein Vergleich von einjährigen Performance-Zahlen macht wenig Sinn. Es ist gut möglich, dass aktiv verwaltete Vorsorgefonds in einem Jahr eine bessere Rendite erzielen als passive Fonds. Ob sie dies auch über mehrere Jahre schaffen, zeigt sich erst an den drei-, fünf- oder zehnjährigen Rendite-Zahlen.
- Zeitpunkt: Vergleichen Sie die Renditen der Fonds zum selben Zeitpunkt. Da die Aktienmärkte immer in Bewegung sind, müssen Sie darauf achten, dass die Factsheets, deren Zahlen Sie vergleichen, vom selben Stichtag sind. Einige Anbieter brauchen länger als andere, um die neuen Factsheets des Monats zu publizieren. Bis Ende Monat sind in der Regel alle Factsheets per Ende des Vormonats verfügbar.
Neue digitale Anbieter einer Säule 3a App sind deutlich kompetitiver
Neue digitale App-Anbieter einer Säule 3a sind teilweise deutlich günstiger als die alteingesessenen Banken und Versicherungen, was sich langfristig positiv auf die Rendite auswirkt – erkennbar in der Tabelle am Beispiel der 3a-Anlagestrategien von finpension. Ein weiterer Grund, warum finpension besser abschneidet, ist die Rückforderung von ausländischen Steuern auf Dividenden.