finpension hat für diesen Vergleich von 3a-Fonds über 120 verschiedene Angebote miteinander verglichen. Hier erfahren Sie, welche Vorsorgefonds die höchste Rendite abwerfen und welche indirekten Kosten anfallen. Weiter zeigen wir Ihnen, worauf Sie beim Beurteilen von Performancezahlen achten können.
Inhalt
Der Vergleich von Säule-3a-Fonds kurz erklärt
In unserem Vergleich von Säule-3a-Fonds haben wir die wichtigsten Kennzahlen zur Performance der einzelnen Fonds gesammelt. Zudem sind auch indirekte Kosten aufgeführt, 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 finden Sie im Vergleich der Gebühren von 3a-Fonds.
3a-Fonds im Vergleich: Welche 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. Die Tabelle beruht auf den Angaben von den jeweiligen Factsheets per Ende September 2024.
| Fondsbezeichnung | ISIN / Valor | a/p | Aktien | Costs+ | 1J | 3J | 5J | 10J | 2019 | 2020 | 2021 | 2022 | 2023 | YTD |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AKB Vorsorge 15 CHF ESG Fokus VT | CH0436637448 | a | 15% | 0.40% | 9.05% | -1.04% | 0.31% | 2.59% | 2.44% | 2.38% | -12.81% | 4.80% | 5.46% | |
| AKB Vorsorge 30 CHF ESG Fokus VT | CH0436637489 | a | 30% | 0.40% | 10.29% | -0.34% | 1.56% | 3.68% | 3.35% | 5.95% | -13.48% | 5.02% | 6.94% | |
| AKB Vorsorge 45 CHF ESG Fokus VT | CH0436637562 | a | 45% | 0.40% | 11.42% | 0.54% | 2.81% | 4.81% | 3.85% | 9.18% | -13.69% | 5.47% | 8.41% | |
| Bâloise BVG-Mix Dynamic Allocation 0-40 R | CH0343879125 | a | 20% | 0.40% | 1.37% | 9.58% | -0.31% | 5.05% | -9.38% | 4.79% | 6.24% | |||
| Bâloise BVG-Mix Dynamic Allocation 0-80 | CH0432005046 | a | 40% | 0.40% | 3.59% | 17.03% | -0.49% | 12.25% | -12.41% | 6.59% | 9.42% | |||
| Bâloise BVG-Mix 15 Plus R | CH0124249597 | a | 15% | 0.40% | 0.00% | 7.93% | -1.79% | 2.89% | -10.73% | 5.19% | 5.13% | |||
| Bâloise BVG-Mix 25 Plus R | CH0124249662 | a | 25% | 0.40% | 0.76% | 10.29% | -1.52% | 5.56% | -11.39% | 4.91% | 6.24% | |||
| Bâloise BVG-Mix 40 Plus R | CH0124249738 | a | 40% | 0.40% | 1.75% | 14.12% | -1.41% | 9.06% | -12.29% | 5.17% | 7.64% | |||
| BCGE Synchrony LPP Bonds B | CH0026517331 | a | 0% | 0.25% | -1.31% | 1.32% | -0.48% | -1.96% | -11.43% | 6.36% | 3.36% | |||
| BCGE Synchrony LPP 25 B | CH0026517513 | a | 25% | 0.25% | 0.80% | 11.50% | 2.34% | 4.91% | -14.61% | 5.18% | 6.32% | |||
| BCGE Synchrony LPP 40 B | CH0026517703 | a | 40% | 0.25% | 1.79% | 14.04% | 3.00% | 8.50% | -15.90% | 5.39% | 7.88% | |||
| BCGE Synchrony LPP 40 SRI B | CH0026517869 | a | 40% | 0.25% | 1.35% | 14.01% | 4.17% | 8.75% | -18.84% | 6.29% | 7.41% | |||
| BCGE Synchrony LPP 80 B | CH0358551346 | a | 80% | 0.25% | 3.90% | 23.07% | 4.77% | 18.55% | -19.16% | 4.78% | 9.83% | |||
| BCV Pension 25 AP | CH0118631289 | a | 25% | 9.56% | -0.57% | 0.71% | 9.75% | 1.42% | 3.86% | -13.59% | 5.53% | 6.57% | ||
| BCV Pension 40 AP | CH0118631784 | a | 40% | 11.49% | 0.03% | 2.01% | 15.13% | 1.88% | 8.06% | -14.91% | 5.83% | 8.57% | ||
| BCV Pension 70 AP | CH0528270090 | a | 70% | 13.87% | 1.04% | 14.38% | -16.35% | 6.00% | 11.47% | |||||
| BEKB Strategiefonds Nachhaltig 20 (Vorsorge B) | CH0366022553 | a | 20% | 9.90% | -0.70% | 0.40% | 6.25% | 2.58% | 3.79% | -14.50% | 6.10% | 6.10% | ||
| BEKB Strategiefonds Nachhaltig 40 (Vorsorge B) | CH0366022702 | a | 40% | 12.50% | 0.60% | 2.40% | 10.32% | 2.85% | 9.38% | -15.10% | 6.80% | 8.90% | ||
| BEKB Strategiefonds Nachhaltig Schweiz 40 (Vorsorge B) | CH0366023817 | a | 40% | 12.80% | 1.30% | 2.50% | 10.36% | 2.77% | 7.08% | -13.90% | 7.20% | 9.10% | ||
| BEKB Strategiefonds Nachhaltig 60 (Vorsorge B) | CH0366023528 | a | 60% | 14.90% | 1.60% | 4.20% | 15.25% | 3.46% | 14.14% | -15.70% | 7.30% | 11.50% | ||
| BEKB Strategiefonds Nachhaltig 90 (Vorsorge B) | CH0566362262 | a | 90% | 17.90% | 3.20% | 23.98% | -17.00% | 8.30% | 15.10% | |||||
| GKB (CH) Vorsorgefonds 25 ESG V | CH0423561395 | a | 25% | 0.46% | 10.53% | -0.53% | 7.29% | 3.44% | 4.75% | -13.16% | 5.29% | 6.57% | ||
| GKB (CH) Vorsorgefonds 45 ESG V | CH0383837504 | a | 45% | 0.46% | 12.22% | 0.11% | 2.92% | 11.15% | 4.04% | 9.93% | -14.40% | 6.10% | 8.27% | |
| GKB (CH) Strategiefonds Wachstum ESG V | CH1131363652 | a | 75% | 0.46% | 14.72% | 2.50% | -15.80% | 6.38% | 10.96% | |||||
| GKB (CH) Strategiefonds Kapitalgewinn ESG V | CH0485242306 | a | 97% | 0.46% | 17.65% | 1.63% | 4.70% | 20.31% | -18.59% | 8.63% | 13.40% | |||
| LUKB Expert-Vorsorge 25 -E- | CH0352060427 | a | 25% | 0.33% | 9.80% | 0.53% | 2.26% | 10.00% | 3.00% | 6.20% | -12.20% | 7.50% | 6.30% | |
| LUKB Expert-Vorsorge 45 -E- | CH0004055171 | a | 45% | 0.33% | 12.40% | 1.64% | 4.23% | 3.72% | 14.40% | 4.60% | 11.50% | -14.10% | 10.10% | 7.90% |
| LUKB Expert-Vorsorge 75 -E- | CH0352060435 | a | 75% | 0.33% | 16.30% | 3.01% | 6.78% | 21.40% | 6.70% | 18.30% | -17.10% | 13.80% | 10.30% | |
| LUKB Expert-Vorsorge 100 -E- | CH0352060526 | a | 100% | 0.33% | 18.80% | -19.20% | 16.40% | 12.20% | ||||||
| Migros Bank (CH) Fonds 0 V | CH0365696696 | a | 0% | -2.18% | -1.74% | 3.18% | -0.03% | -1.38% | -11.24% | 3.09% | 2.93% | |||
| Migros Bank (CH) Fonds 25 V | CH0023406496 | a | 25% | -0.35% | 0.74% | 8.41% | 1.00% | 4.44% | -11.72% | 4.77% | 5.76% | |||
| Migros Bank (CH) Fonds 45 V | CH0023406520 | a | 45% | 0.78% | 2.50% | 12.92% | 1.67% | 9.19% | -12.48% | 5.69% | 7.93% | |||
| Migros Bank (CH) Fonds 65 V | CH0584307778 | a | 65% | 1.44% | -13.49% | 5.87% | 9.88% | |||||||
| Migros Bank (CH) Fonds 85 V | CH0584307786 | a | 85% | 1.95% | -14.73% | 6.05% | 11.85% | |||||||
| Migros Bank (CH) Fonds Sustainable 0 V | CH0365696852 | a | 0% | -2.53% | -2.18% | 2.42% | 0.05% | -2.75% | -11.64% | 2.80% | -7.88% | |||
| Migros Bank (CH) Fonds Sustainable 25 V | CH0365696902 | a | 25% | -0.79% | 0.24% | 7.85% | 1.45% | 3.09% | -12.75% | 5.06% | 5.26% | |||
| Migros Bank (CH) Fonds Sustainable 45 V | CH0102706105 | a | 45% | 0.08% | 2.06% | 2.74% | 13.00% | 2.99% | 8.18% | -14.12% | 5.98% | 7.28% | ||
| Migros Bank (CH) Fonds Sustainable 65 V | CH0584307794 | a | 65% | 0.96% | -14.93% | 6.68% | 8.93% | |||||||
| Migros Bank (CH) Fonds Sustainable 85 V | CH0584307802 | a | 85% | 1.39% | -16.69% | 7.11% | 10.85% | |||||||
| Mobi-Fonds Select 30 3A | CH0016757517 | a | 30% | 0.73% | 1.15% | 1.77% | 8.50% | 2.70% | 1.90% | -12.50% | 7.00% | 8.05% | ||
| Mobi-Fonds Select 60 3A | CH0211608895 | a | 60% | 1.80% | 3.24% | 3.68% | 13.90% | 4.80% | 7.70% | -13.60% | 6.50% | 11.24% | ||
| Mobi-Fonds Select 90 3A | CH0484059214 | a | 90% | 2.46% | 7.00% | 16.70% | -16.50% | 15.73% | ||||||
| OLZ Smart Invest 65 ESG | CH0328149510 | a | 65% | 11.52% | 0.54% | 0.71% | 10.82% | -3.28% | 6.12% | -10.76% | 3.57% | 8.48% | ||
| OLZ Equity World Optimized ESG | CH0488209336 | a | 100% | 17.42% | 3.83% | -9.89% | 10.79% | -9.15% | 5.52% | 13.43% | ||||
| Pictet FPPI - LPP/BVG-Short-Mid Term Bonds-P | CH0017245074 | a | 0% | 3.79% | 0.19% | -0.06% | -0.27% | -0.63% | -0.20% | -5.04% | 3.70% | 2.34% | ||
| Pictet FPPI - LPP/BVG-10 ESG-P | CH0296545129 | a | 10% | 7.62% | -1.79% | -0.72% | 6.21% | 1.61% | 0.83% | -12.67% | 3.63% | 4.15% | ||
| Pictet FPPI - LPP/BVG-25 ESG-P | CH0017245355 | a | 25% | 9.30% | -1.53% | 0.40% | 9.24% | 3.25% | 3.52% | -13.63% | 3.45% | 5.95% | ||
| Pictet FPPI - LPP/BVG-Multi Asset Flexible-P | CH0402419755 | a | 35% | 7.81% | -3.08% | -0.45% | 8.45% | 6.09% | 2.03% | -15.06% | 1.15% | 4.60% | ||
| Pictet FPPI - LPP/BVG-40 ESG-P | CH0017245405 | a | 40% | 10.66% | -1.01% | 1.71% | 12.69% | 4.58% | 7.10% | -14.40% | 3.49% | 7.67% | ||
| Pictet FPPI - LPP/BVG-60 ESG-P | CH1110419004 | a | 60% | 12.62% | -0.22% | -15.72% | 4.14% | 10.17% | ||||||
| PF Pension - ESG 25 Fund | CH0012056260 | a | 25% | -0.57% | 0.94% | 8.46% | 2.59% | 4.74% | -12.76% | 5.18% | 5.82% | |||
| PF Pension - ESG 50 Fund | CH0012056203 | a | 45% | 0.46% | 2.80% | 13.74% | 3.74% | 9.43% | -14.07% | 5.82% | 8.83% | |||
| PF Pension - ESG 75 Fund | CH0316793139 | a | 75% | 2.05% | 5.50% | 22.02% | 5.26% | 17.04% | -15.59% | 7.66% | 11.67% | |||
| PF Pension - ESG 100 Fund | CH0484781684 | a | 100% | 3.67% | 5.76% | 22.53% | -16.45% | 9.17% | 14.13% | |||||
| Raiffeisen Futura - Pension Invest Yield V | CH0102295414 | a | 0% | 0.16% | -2.20% | -0.60% | 8.40% | 1.40% | 2.30% | -16.70% | 5.50% | 5.20% | ||
| Raiffeisen Futura - Pension Invest Balanced V | CH0102295455 | a | 40% | 0.16% | -1.40% | 1.20% | 12.20% | 2.40% | 7.50% | -18.00% | 5.90% | 8.00% | ||
| Raiffeisen Futura - Pension Invest Growth V | CH0189322339 | a | 65% | 0.16% | -0.40% | 2.70% | 17.50% | 2.80% | 12.50% | -18.90% | 6.20% | 10.70% | ||
| Raiffeisen Futura - Pension Invest Equity V | CH0441199582 | a | 90% | 0.16% | 0.90% | 5.30% | 3.90% | 20.40% | -20.80% | 7.00% | 14.90% | |||
| SZKB Obligationenfonds CHF V | CH1143789514 | a | 0% | 0.46% | 7.15% | -10.85% | 7.49% | 3.88% | ||||||
| SZKB Strategiefonds Zinsertrag Plus V | CH0286263683 | a | 5% | 0.46% | 8.92% | -0.31% | 0.56% | 5.73% | 1.17% | 1.45% | -10.54% | 5.84% | 5.73% | |
| SZKB Strategiefonds Einkommen V | CH0286264756 | a | 10% | 0.46% | 9.54% | 0.10% | 1.27% | 7.24% | 1.27% | 3.15% | -11.31% | 6.22% | 7.21% | |
| SZKB Strategiefonds Ausgewogen V | CH0286264905 | a | 38% | 0.46% | 11.05% | 0.75% | 2.84% | 12.45% | 2.08% | 7.10% | -12.94% | 7.23% | 9.67% | |
| SZKB Strategiefonds Wachstum V | CH0322902484 | a | 63% | 0.46% | 13.69% | 1.71% | 4.63% | 16.11% | 2.60% | 11.33% | -15.42% | 9.35% | 13.09% | |
| SZKB Ethikfonds Einkommen V | CH0337623745 | a | 5% | 0.46% | 8.26% | -1.21% | 0.66% | 7.60% | 3.05% | 2.72% | -12.87% | 5.14% | 5.90% | |
| SZKB Ethikfonds Ausgewogen V | CH0337624586 | a | 38% | 0.46% | 11.18% | -0.37% | 2.71% | 13.47% | 4.89% | 7.18% | -14.51% | 6.01% | 8.99% | |
| SZKB Ethikfonds Wachstum V | CH1128291262 | a | 63% | 0.46% | 14.58% | -16.44% | 6.51% | 12.92% | ||||||
| SZKB Ethikfonds Kapitalgewinn V | CH0492416463 | a | 100% | 0.46% | 18.95% | 1.69% | 3.33% | 8.40% | 21.08% | -18.24% | 6.94% | 17.98% | ||
| SZKB Indexanlagen Ausgewogen V | CH0492416638 | p | 38% | 0.46% | 10.26% | -0.42% | 1.02% | 3.29% | 7.98% | -14.59% | 6.67% | 8.40% | ||
| SZKB Indexanlagen Wachstum V | CH1128291304 | p | 63% | 0.46% | 12.94% | 2.09% | -15.82% | 7.56% | 11.68% | |||||
| SZKB Indexanlagen Kapitalgewinn V | CH0492416703 | p | 100% | 0.46% | 15.79% | 1.90% | 2.96% | 4.29% | 21.07% | -16.48% | 8.58% | 15.23% | ||
| SGKB Vorsorge Einkommen V | CH0373465324 | a | 25% | 0.46% | 8.61% | 0.62% | 1.24% | 8.60% | 0.20% | 3.60% | -9.80% | 5.20% | 6.52% | |
| SGKB Vorsorge Einkommen Eco V | CH1123159118 | a | 25% | 0.46% | 8.64% | -10.60% | 5.40% | 5.97% | ||||||
| SGKB Vorsorge Ausgewogen V | CH0373465365 | a | 50% | 0.46% | 11.17% | 1.32% | 2.82% | 14.50% | 1.00% | 8.20% | -11.60% | 5.40% | 9.38% | |
| SGKB Vorsorge Ausgewogen Eco V | CH1123158979 | a | 50% | 0.46% | 11.95% | -12.80% | 6.60% | 8.76% | ||||||
| SGKB Vorsorge Wachstum V | CH0422345246 | a | 71% | 0.46% | 13.87% | 1.45% | 3.72% | 19.30% | 0.80% | 11.80% | -14.40% | 5.80% | 12.27% | |
| SGKB Vorsorge Wachstum Eco V | CH1123159217 | a | 71% | 0.46% | 15.15% | -14.00% | 7.50% | 11.19% | ||||||
| Swiss Life BVG Mix 25 P | CH0014369042 | a | 25% | 6.95% | -0.61% | 1.00% | 1.70% | 8.56% | 2.62% | 5.00% | -10.76% | 3.48% | 4.63% | |
| Swiss Life BVG Mix 35 P | CH0014369166 | a | 35% | 7.98% | -0.29% | 1.66% | 2.26% | 10.55% | 3.03% | 7.17% | 11.78% | 3.96% | 5.71% | |
| Swiss Life BVG Mix 45 P | CH0014369257 | a | 45% | 9.09% | -0.08% | 2.28% | 2.76% | 12.95% | 3.27% | 9.48% | -13.03% | 4.37% | 6.82% | |
| Swisscanto (CH) Vorsorge Fonds 20 Passiv VT | CH0133721065 | p | 20% | 0.43% | 9.95% | -0.63% | 1.15% | 1.86% | 9.21% | 4.11% | 4.27% | -12.96% | 4.88% | 6.30% |
| Swisscanto (CH) IPF III Vorsorge Fonds 45 Passiv VT | CH0511961408 | p | 45% | 0.43% | 11.67% | 0.28% | 9.65% | -13.90% | 5.27% | 8.71% | ||||
| Swisscanto (CH) IPF III Vorsorge Fonds 75 Passiv VT | CH0511961416 | p | 75% | 0.43% | 15.74% | 1.93% | 16.16% | -15.51% | 7.58% | 11.88% | ||||
| Swisscanto (CH) IPF III Vorsorge Fonds 95 Passiv VT | CH0511961424 | p | 95% | 0.43% | 19.20% | 2.98% | 19.23% | -17.75% | 10.52% | 14.14% | ||||
| Swisscanto BVG 3 Responsible Portfolio 15 RT | CH0238051954 | a | 15% | 0.43% | 8.67% | 0.05% | 0.46% | 1.72% | 6.66% | 2.05% | 1.50% | -10.21% | 5.60% | 4.72% |
| Swisscanto BVG 3 Responsible Portfolio 25 RT | CH0238052705 | a | 25% | 0.43% | 8.51% | 0.44% | 1.58% | 2.64% | 9.84% | 2.89% | 5.11% | -10.44% | 5.44% | 5.22% |
| Swisscanto BVG 3 Responsible Portfolio 45 RT | CH0238052978 | a | 45% | 0.43% | 10.70% | 1.51% | 3.37% | 3.94% | 13.76% | 3.72% | 9.93% | -11.45% | 5.83% | 8.30% |
| Swisscanto BVG 3 Responsible Portfolio 75 RT | CH0414854486 | a | 75% | 0.43% | 15.59% | 2.97% | 6.07% | 18.55% | 5.88% | 17.50% | -14.64% | 8.59% | 11.79% | |
| Swisscanto BVG 3 Sustainable Portfolio 45 RT | CH0238047721 | a | 45% | 0.43% | 11.47% | 0.61% | 3.06% | 3.57% | 13.26% | 4.55% | 9.63% | -14.58% | 7.01% | 8.61% |
| Swisscanto AST Avant BVG Responsible Portfolio 95 DT | CH0568992488 | a | 95% | 0.43% | 18.42% | 3.72% | 22.86% | -16.99% | 10.34% | 14.15% | ||||
| UBS Vitainvest World 100 Sustainable U | CH0413292308 | a | 100% | 6.09% | 19.49% | 6.97% | 18.25% | -18.46% | 9.91% | 12.28% | ||||
| UBS Vitainvest Swiss 75 Sustainable U | CH0293175037 | a | 75% | 3.94% | 21.67% | 3.31% | 15.37% | -15.25% | 5.75% | 9.54% | ||||
| UBS Vitainvest World 75 Sustainable U | CH0293174600 | a | 75% | 4.55% | 17.18% | 6.10% | 14.60% | -16.16% | 6.92% | 9.74% | ||||
| UBS Vitainvest Swiss 50 Sustainable U | CH0108526986 | a | 50% | 2.13% | 15.55% | 2.39% | 9.29% | -14.13% | 5.64% | 7.36% | ||||
| UBS Vitainvest World 50 Sustainable U | CH0022476508 | a | 50% | 1.96% | 12.67% | 4.50% | 8.51% | -14.86% | 4.58% | 6.60% | ||||
| UBS Vitainvest Swiss 25 Sustainable U | CH0108526911 | a | 25% | 0.51% | 9.42% | 1.77% | 3.56% | -13.24% | 5.91% | 5.44% | ||||
| UBS Vitainvest World 25 Sustainable U | CH0022476466 | a | 25% | -0.23% | 7.98% | 3.19% | 2.83% | -13.65% | 2.88% | 4.16% | ||||
| UBS Vitainvest passive 100 Sustainable Q | CH1110134157 | p | 100% | 0.65% | 4.52% | -15.74% | 11.05% | 14.61% | ||||||
| UBS Vitainvest passive 75 Sustainable Q | CH1110134140 | p | 75% | 0.65% | 2.91% | -15.65% | 9.58% | 12.14% | ||||||
| UBS Vitainvest passive 50 Sustainable Q | CH1110134132 | p | 50% | 0.65% | 1.15% | -14.83% | 7.93% | 9.19% | ||||||
| UBS Vitainvest passive 25 Sustainable Q | CH1110134124 | p | 25% | 0.65% | -0.53% | -14.25% | 6.73% | 5.91% | ||||||
| ZugerKB Fonds – Strategie Konservativ (CHF) BV | CH0382492327 | a | 40% | 0.45% | -2.60% | -0.10% | 10.00% | 5.00% | 2.40% | -15.50% | 3.80% | 4.70% | ||
| ZugerKB Fonds – Strategie Ausgewogen (CHF) BV | CH0382491063 | a | 50% | 0.45% | -1.50% | 1.80% | 15.40% | 6.80% | 6.40% | -16.20% | 5.10% | 6.80% | ||
| ZugerKB Fonds – Strategie Dynamisch (CHF) BV | CH0435830614 | a | 75% | 0.45% | -0.60% | 3.10% | 17.80% | 6.80% | 10.70% | -16.60% | 5.80% | 8.70% | ||
| BLKB Next Generation Fund Growth B | CH0370830843 | a | 63% | 10.40% | 0.01% | 3.43% | 17.60% | 4.45% | 12.55% | -14.33% | 4.35% | 8.09% | ||
| BLKB Next Generation Fund Equity B | CH0370830892 | a | 85% | 11.37% | 0.14% | 4.50% | 23.91% | 3.88% | 17.85% | -15.80% | 3.91% | 9.91% | ||
| BLKB iQ Responsible Vorsorge Balanced B | CH0479448240 | a | 63% | 12.76% | 0.53% | 2.52% | 3.76% | 8.28% | -15.53% | 7.27% | 9.53% | |||
| BLKB iQ Responsible Equity Switzerland B | CH0372701505 | a | 15.43% | 3.49% | 6.45% | 30.11% | 3.97% | 24.12% | -16.84% | 7.69% | 13.00% | |||
| BKB Anlagelösung - Nachhaltig Einkommen (CHF) V | CH0432492483 | a | 30% | -1.21% | 0.26% | 7.37% | 1.35% | 4.41% | -12.75% | 3.39% | 6.08% | |||
| BKB Anlagelösung - Nachhaltig Ausgewogen (CHF) V | CH0432492517 | a | 50% | -0.24% | 2.26% | 14.08% | 3.14% | 10.08% | -14.05% | 4.21% | 8.08% | |||
| BKB Anlagelösung - Nachhaltig Wachstum (CHF) V | CH0432492533 | a | 75% | 0.76% | 4.22% | 20.27% | 4.37% | 16.03% | -15.67% | 5.48% | 10.34% | |||
| BKB Anlagelösung - Nachhaltig Aktien (CHF) V | CH1184401326 | a | 95% | 6.20% | 11.88% | |||||||||
| BKB Anlagelösung - Einkommen (CHF) V | CH0432492418 | a | 30% | -1.23% | 0.10% | 7.47% | 1.23% | 3.52% | -12.18% | 2.90% | 5.94% | |||
| BKB Anlagelösung - Ausgewogen (CHF) V | CH0432492434 | a | 50% | -0.13% | 2.01% | 13.95% | 2.40% | 8.95% | -13.38% | 3.58% | 8.45% | |||
| BKB Anlagelösung - Wachstum (CHF) V | CH0432492475 | a | 75% | 1.08% | 3.98% | 20.40% | 3.12% | 15.06% | -15.11% | 4.94% | 11.14% | |||
| BKB Anlagelösung - Regelbasiert (CHF) V | CH0438362888 | a | 59% | 0.36% | 1.09% | -4.54% | 10.31% | -12.33% | 3.28% | 9.01% | ||||
| Reichmuth Alpin Classic P | CH0030395138 | a | 33% | -1.50% | 0.90% | 11.90% | 1.80% | 6.10% | -15.10% | 4.40% | 6.30% | |||
| Reichmuth Alpin P | CH0016555994 | a | 33% | -0.30% | 2.70% | 10.10% | 4.80% | 7.20% | -12.50% | 5.10% | -8.80% | |||
| finpension Global 0 | p | 0% | 3.98% | -0.26% | -0.46% | 0.04% | -0.51% | -0.84% | -5.50% | 2.97% | 2.40% | |||
| finpension Global 20 | p | 20% | 10.88% | -1.97% | 0.24% | 10.98% | 4.18% | 3.84% | -16.14% | 5.20% | 5.31% | |||
| finpension Global 40 | p | 40% | 13.05% | -0.62% | 2.17% | 14.86% | 4.98% | 8.53% | -16.54% | 6.22% | 7.77% | |||
| finpension Global 60 | p | 60% | 15.15% | 0.55% | 3.92% | 18.76% | 5.56% | 13.18% | -17.20% | 7.18% | 10.12% | |||
| finpension Global 80 | p | 80% | 17.34% | 1.86% | 5.70% | 23.07% | 5.77% | 18.06% | -17.68% | 8.14% | 12.60% | |||
| finpension Global 100 | p | 100% | 17.98% | 2.54% | 6.63% | 25.71% | 6.44% | 19.76% | -17.64% | 8.81% | 13.66% |
Vorsorgefonds vergleichen: Worauf soll ich achten?
- 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.
3a-Fonds von digitalen Anbietern sind deutlich günstiger
Neue digitale App-Anbieter einer Säule 3a sind teilweise deutlich günstiger als die alteingesessenen Banken und Versicherungen, wie Sie in unserem Beitrag zur besten Säule 3a nachlesen können. Das wirkt sich langfristig positiv auf die Rendite aus – erkennbar in der Tabelle am Beispiel der 3a-Anlagestrategien von finpension. Ein weiterer Grund, warum die Säule 3a von finpension besser abschneidet, ist die Rückforderung von ausländischen Steuern auf Dividenden.
Mehr lesen: Warum ETF in der Säule 3a nur zweite Wahl sind