Date factsheets: End of February 2020

How high are the charged fees of 3a funds?  Which funds generate the best returns? Answers to these questions can be found in this comprehensive comparison of over 100 Swiss pension funds. The funds listed are open to private investors and can generally also be used as vested benefits funds for deposited pension fund assets (vested benefits).

The table below shows the ongoing costs (TER) which are charged directly to the fund assets. Accordingly, the TER costs are already included in the annualised performance figures, however, not the additional costs that may be incurred in the investment of pension assets. We have described what these additional costs are in the linked article in the context of investing vested benefit assets.

ProviderFund nameISIN/Valora/pLaunchTER1Y3Y5Y10Y
Aargauische KantonalbankAKB Vorsorge 15 CHF VTCH0436637448aktiv2019.04.090.77%-0.43%
Aargauische KantonalbankAKB Vorsorge 30 CHF VTCH0436637489aktiv2019.04.090.86%1.13%
Aargauische KantonalbankAKB Vorsorge 45 CHF VTCH0436637562aktiv2019.04.090.95%2.30%
BâloiseBVG-Mix 15 Plus R12424959aktiv2011.03.010.81%
BâloiseBVG-Mix 25 Plus R12424966aktiv2011.03.010.81%
BâloiseBVG-Mix 40 Plus R12424973aktiv2011.03.010.83%
BâloiseBVG-Mix Dynamic Allocation 0-40 R34387912aktiv2017.01.100.62%
BâloiseBVG-Mix Dynamic Allocation 0-8043200504aktiv2018.11.010.72%
Basellandschaftliche KantonalbankBLKB iQ Responsible Vorsorge Balanced BCH0479448240aktiv1.01%
Basellandschaftliche KantonalbankBLKB Next Generation Fund Growth BCH0370830843aktiv2017.10.051.54%5.34%
Basellandschaftliche KantonalbankBLKB Next Generation Fund Vorsorge Balanced BCH0395929836aktiv2018.04.161.38%2.20%
Basellandschaftliche KantonalbankBLKB Next Generation Fund Vorsorge Yield BCH0395929802aktiv2018.04.161.30%0.69%
BCGESynchrony LPP 25 BCH0026517513aktiv2007.01.311.20%2.60%
BCGESynchrony LPP 40 BCH0026517703aktiv2007.02.071.30%3.50%
BCGESynchrony LPP 40 SRI BCH0026517869aktiv2007.02.071.39%2.66%
BCGESynchrony LPP 80 BCH0358551346aktiv2017.09.201.30%5.89%
BCGESynchrony LPP Bonds BCH0026517331aktiv2007.02.070.91%-0.34%
BCVBCV Pension 25 APCH0118631289aktiv2011.03.311.10%-0.75%1.83%2.39%
BCVBCV Pension 40 APCH0118631784aktiv2011.03.311.13%0.15%3.02%3.78%
Berner KantonalbankBEKB Strategiefonds Nachhaltig 20 (Vorsorge B)CH0366022553aktiv2017.10.031.05%-0.60%
Berner KantonalbankBEKB Strategiefonds Nachhaltig 40 (Vorsorge B)CH0366022702aktiv2017.10.031.15%0.86%
Berner KantonalbankBEKB Strategiefonds Nachhaltig 60 (Vorsorge B)CH0366023528aktiv2017.10.031.25%3.07%
Berner KantonalbankBEKB Strategiefonds Nachhaltig Schweiz 40 (Vorsorge B)CH0366023817aktiv2017.10.031.15%1.32%
Credit SuisseCSA Mixta-BVGCH0002875703aktiv1974.07.161.38%0.90%2.63%3.07%3.52%
Credit SuisseCSA Mixta-BVG BasicCH0014861493aktiv2002.11.151.14%-0.18%1.04%1.04%1.54%
Credit SuisseCSA Mixta-BVG DefensivCH0007888339aktiv1997.11.251.20%0.21%2.10%2.34%2.87%
Credit SuisseCSA Mixta-BVG Equity 75CH0382614821aktiv2018.02.121.48%6.47%
Credit SuisseCSA Mixta-BVG Index 25CH0115202712passiv2010.09.290.89%2.34%2.67%
Credit SuisseCSA Mixta-BVG Index 35CH0115202738passiv2010.09.290.90%1.16%3.03%3.44%
Credit SuisseCSA Mixta-BVG Index 45CH0103826761passiv2009.10.010.90%2.19%3.67%4.18%4.84%
Credit SuisseCSA Mixta-BVG Index 75CH0382614722passiv2018.02.131.00%2.96%
Credit SuisseCSA Mixta-BVG MaxiCH0008880665aktiv1999.09.271.49%1.66%3.09%3.58%4.14%
EFGEFG Life Invest - 40 cl. RCH0110906226aktiv2010.06.011.39%
Graubündner KantonalbankGKB (CH) Vorsorgefonds 25 ESG VCH0423561395aktiv2018.11.260.64%0.78%
Graubündner KantonalbankGKB (CH) Vorsorgefonds 45 ESG VCH0383837504aktiv2017.11.240.77%1.90%
J. Safra SarasinSAST BVG Aktien 80CH0441200505aktiv2018.12.121.67%
J. Safra SarasinSAST BVG Ertrag BCH0024557131aktiv2006.05.021.45%
J. Safra SarasinSAST BVG Nachhaltigkeit BCH0020251382aktiv2000.12.181.55%
J. Safra SarasinSAST BVG Nachhaltigkeit Rendite BCH0035438008aktiv2007.12.191.48%
J. Safra SarasinSAST BVG Rendite BCH0020251143aktiv1999.12.201.52%
J. Safra SarasinSAST BVG Wachstum BCH0020251283aktiv1991.11.011.63%
J. Safra SarasinSAST BVG Zukunft BCH0024557453aktiv2006.05.021.66%
Luzerner KantonalbankLUKB Expert-Vorsorge 25CH0352060427aktiv2017.06.300.52%1.28%
Luzerner KantonalbankLUKB Expert-Vorsorge 45 CH0004055171aktiv1999.10.110.60%3.73%3.63%3.68%3.65%
Luzerner KantonalbankLUKB Expert-Vorsorge 75CH0352060435aktiv2017.06.300.80%7.04%
MigrosMigros Bank (CH) Fonds 0 VCH0365696696aktiv2017.06.300.97%0.06%
MigrosMigros Bank (CH) Fonds 25 VCH0023406496aktiv2006.04.270.90%2.00%
MigrosMigros Bank (CH) Fonds 45 VCH0023406520aktiv2017.06.300.90%2.26%
MigrosMigros Bank (CH) Fonds Sustainable 0 VCH0365696852aktiv2017.06.301.16%0.03%
MigrosMigros Bank (CH) Fonds Sustainable 25 VCH0365696902aktiv2017.06.301.12%1.65%
MigrosMigros Bank (CH) Fonds Sustainable 45 VCH0102706105aktiv2009.09.091.07%3.34%
MobiliarMobi-Fonds Select 30CH0016757517aktiv2003.09.300.94%2.09%2.09%
MobiliarMobi-Fonds Select 60CH0211608895aktiv2013.10.010.96%4.31%4.36%
MobiliarMobi-Fonds Select 90CH0484059214aktiv2019.10.111.20%
OLZOLZ Smart Invest 65 ESGCH0328149510aktiv2016.11.030.65%-3.19%1.31%
PictetFPLP - LPP/BVG-10-PCH0296543215aktiv2015.09.300.70%*-1.92%0.82%
PictetFPLP - LPP/BVG-25-PCH0017244432aktiv1988.12.300.95%*-0.09%1.72%2.37%
PictetFPLP - LPP/BVG-40-PCH0017244630aktiv2004.02.271.15%*1.59%2.68%3.28%
PictetFPLP - LPP/BVG-Multi Asset Flexible-PCH0402419698aktiv2018.03.291.15%*2.76%
PictetFPLP - LPP/BVG-Short-Mid Term Bonds-PCH0017243665aktiv2004.02.270.30%*-1.76%-0.79%-0.61%
PictetFPPI - LPP/BVG-10-PCH0296545129aktiv2015.09.300.70%*-1.90%0.79%
PictetFPPI - LPP/BVG-25-PCH0017245355aktiv2004.03.010.95%*-0.14%1.71%2.34%
PictetFPPI - LPP/BVG-40-PCH0017245405aktiv1990.12.311.15%*1.65%2.70%3.32%
PictetFPPI - LPP/BVG-Multi Asset Flexible-PCH0402419755aktiv2018.03.291.15%*2.89%
PictetFPPI - LPP/BVG-Short-Mid Term Bonds-PCH0017245074aktiv2004.03.010.30%*-1.76%-0.80%-0.64%
PostfinancePostfinance Pension 10048478168passiv2016.06.130.98%
PostfinancePostfinance Pension 251205626passiv2001.05.310.87%1.69%1.97%2.63%
PostfinancePostfinance Pension 451205620passiv2001.05.310.91%3.02%3.50%4.13%
PostfinancePostfinance Pension 7531679313passiv2016.06.130.97%
RaiffeisenRaiffeisen Pension Invest Futura Balanced ICH0102295455aktiv2009.08.311.10%1.80%2.70%
RaiffeisenRaiffeisen Pension Invest Futura Equity ICH0441199582aktiv2019.02.281.42%
RaiffeisenRaiffeisen Pension Invest Futura Growth ICH0189322339aktiv2012.12.181.20%2.90%4.50%
RaiffeisenRaiffeisen Pension Invest Futura Yield ICH0102295414aktiv2009.08.311.05%0.90%1.50%
Reichmuth & CoReichmuth Alpin Classic PCH0030395138aktiv2007.01.011.19%0.90%3.00%
Reichmuth & CoReichmuth Alpin PCH0016555994aktiv2003.08.010.99%1.60%3.20%
Schwyzer KantonalbankSZKB Ausgewogen VCH0286264905aktiv2016.07.011.00%*1.91%2.48%
Schwyzer KantonalbankSZKB Einkommen VCH0286264756aktiv2016.07.010.90%*-0.25%0.84%
Schwyzer KantonalbankSZKB Ethik Ausgewogen VCH0337624586aktiv2016.11.301.10%*4.62%3.43%
Schwyzer KantonalbankSZKB Ethik Einkommen VCH0337623745aktiv2016.11.301.00%*1.62%1.75%
Schwyzer KantonalbankSZKB Ethik Kapitalgewinn VCH0492416463aktiv2019.10.311.30%*
Schwyzer KantonalbankSZKB Indexanlagen Ausgewogen VCH0492416638passiv2019.10.310.35%*
Schwyzer KantonalbankSZKB Indexanlagen Kapitalgewinn VCH0492416703passiv2019.10.310.35%*
Schwyzer KantonalbankSZKB Wachstum VCH0322902484aktiv2016.07.011.10%*3.98%3.48%
Schwyzer KantonalbankSZKB Zinsertrag Plus VCH0286263683aktiv2016.07.010.75%*-1.16%0.44%
St. Galler KantonalbankSGKB Vorsorge AusgewogenCH0373465365aktiv2017.11.300.97%1.08%
St. Galler KantonalbankSGKB Vorsorge EinkommenCH0373465324aktiv2017.11.300.87%-0.84%
St. Galler KantonalbankSGKB Vorsorge WachstumCH0422345246aktiv2018.11.301.16%2.32%
Swiss LifeSwiss Life BVG Mix 25 PCH0014369042aktiv2002.09.301.41%0.71%1.81%2.26%3.23%
Swiss LifeSwiss Life BVG Mix 35 PCH0014369166aktiv2002.09.301.43%1.41%2.33%2.85%3.84%
Swiss LifeSwiss Life BVG Mix 45 PCH0014369257aktiv2002.09.301.45%2.02%2.80%3.35%4.41%
Swisscanto Invest by ZKBSwisscanto (CH) Vorsorge Fonds 20 Passiv VT CHFCH0133721065passiv2011.09.130.42%0.81%2.40%2.67%
Swisscanto Invest by ZKBSwisscanto (CH) Vorsorge Fonds 45 Passiv VT CHFCH0133721081passiv2011.09.130.42%2.74%3.75%4.40%
Swisscanto Invest by ZKBSwisscanto (CH) Vorsorge Fonds 75 Passiv VT CHFCH0353690909passiv2017.04.210.42%5.72%5.03%
Swisscanto Invest by ZKBSwisscanto BVG 3 Dynamic 0-50 VT CHFCH0147777723aktiv2012.03.300.98%-1.64%1.32%2.24%
Swisscanto Invest by ZKBSwisscanto BVG 3 Index 45 VT CHFCH0117507985passiv2010.11.010.58%1.47%3.94%4.01%
Swisscanto Invest by ZKBSwisscanto BVG 3 Life Cycle 2020 VT CHFCH0022412750aktiv2005.10.260.97%-1.32%1.84%2.51%3.89%
Swisscanto Invest by ZKBSwisscanto BVG 3 Life Cycle 2025 VT CHFCH0022412917aktiv2005.10.260.92%1.16%3.07%3.77%4.75%
Swisscanto Invest by ZKBSwisscanto BVG 3 Oeko 45 VT CHFCH0011315915aktiv2000.04.011.06%2.37%3.72%3.79%3.77%
Swisscanto Invest by ZKBSwisscanto BVG 3 Portfolio 10 VT CHFCH0011315881aktiv1992.09.210.79%-0.73%1.86%2.18%2.76%
Swisscanto Invest by ZKBSwisscanto BVG 3 Portfolio 25 VT CHFCH0011315899aktiv1997.11.030.89%0.73%2.79%3.11%3.77%
Swisscanto Invest by ZKBSwisscanto BVG 3 Portfolio 45 VT CHFCH0011315907aktiv1986.09.240.95%2.40%3.73%4.15%4.94%
UBSUBS Vitainvest Swiss 25 Sustainable UCH0108526911aktiv2010.05.251.25%1.49%
UBSUBS Vitainvest Swiss 50 Sustainable UCH0108526986aktiv2010.05.251.39%2.75%
UBSUBS Vitainvest Swiss 75 Sustainable UCH0293175037aktiv2015.11.051.56%
UBSUBS Vitainvest World 100 Sustainable UCH0413292308aktiv2018.11.151.60%6.02%
UBSUBS Vitainvest World 25 Sustainable UCH0022476466aktiv2006.01.201.35%1.97%
UBSUBS Vitainvest World 50 Sustainable UCH0022476508aktiv2006.01.201.55%3.09%
UBSUBS Vitainvest World 75 Sustainable UCH0293174600aktiv2015.11.051.67%
VontobelVontobel Fund (CH) - Pension Invest Balanced ACH0281017506aktiv2015.11.251.27%1.70%
VontobelVontobel Fund (CH) - Pension Invest YieldCH0281016474aktiv2015.11.251.23%1.10%
Zuger KantonalbankZugerKB Fonds – Strategie Ausgewogen (CHF) BVCH0382491063aktiv2017.10.311.04%5.50%
Zuger KantonalbankZugerKB Fonds – Strategie Dynamisch (CHF) BVCH0435830614aktiv2018.11.301.27%6.40%
Zuger KantonalbankZugerKB Fonds – Strategie Konservativ (CHF) BVCH0382492327aktiv2017.10.311.15%3.00%

* Administrative fee/commission listed, as no TER is disclosed.

The table does not include offers from independent pension and vested benefits foundations. These foundations provide investment strategies that are composed of various investment funds (often ETFs). We prefer the use of index funds instead of ETFs for our offers.

In the list of providers of approved pension products of restricted pension provision (pillar 3a) as of 31 December 2019, you can see the total number of pension foundations in Switzerland.