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 performance figures (1, 3, 5 and 10 years), however, not the additional costs that may be incurred in the investment of pension assets. We have described what these additional costs are in a separate article in the context of investing vested benefit assets.
| Provider | Fund Name | ISIN / Valor | a / p | Launch | TER | 1 y. | 3 y. p.a. | 5 y. p.a. | 10 y. p.a. |
|---|---|---|---|---|---|---|---|---|---|
| Aargauische Kantonalbank | AKB Portfoliofonds Vorsorge 15 | CH0436637448 | active | 09.04.2019 | 0.60%1 | ||||
| Aargauische Kantonalbank | AKB Portfoliofonds Vorsorge 30 | CH0436637489 | active | 09.04.2019 | 0.65%1 | ||||
| Aargauische Kantonalbank | AKB Portfoliofonds Vorsorge 45 | CH0436637562 | active | 09.04.2019 | 0.70%1 | ||||
| Bâloise | BVG-Mix 15 Plus R | 12424959 | active | 01.03.2011 | 0.81% | 5.27% | 2.72% | 2.27% | 2.92% |
| Bâloise | BVG-Mix 25 Plus R | 12424966 | active | 01.03.2011 | 0.81% | 5.31% | 3.20% | 2.70% | 3.37% |
| Bâloise | BVG-Mix 40 Plus R | 12424973 | active | 01.03.2011 | 0.83% | 5.32% | 3.88% | 3.39% | 4.09% |
| Bâloise | BVG-Mix Dynamic Allocation 0–40 R | 34387912 | active | 10.01.2017 | 0.62% | 5.67% | |||
| Bâloise | BVG-Mix Dynamic Allocation 0–80 | 43200504 | active | 01.11.2018 | 5.80% | ||||
| Basellandschaftliche Kantonalbank | BLKB iQ Responsible Vorsorge Balanced B | CH0479448240 | active | n.a. | |||||
| Basellandschaftliche Kantonalbank | BLKB Next Generation Fund Growth B | CH0370830843 | active | 05.10.2017 | 1.54% | 4.05% | |||
| Basellandschaftliche Kantonalbank | BLKB Next Generation Fund Vorsorge Balanced B | CH0395929836 | active | 16.04.2018 | 1.38% | 5.21% | |||
| Basellandschaftliche Kantonalbank | BLKB Next Generation Fund Vorsorge Yield B | CH0395929802 | active | 16.04.2018 | 1.30% | 5.35% | |||
| BCGE | Synchrony LPP 25 B | CH0026517513 | active | 31.01.2007 | 1.19% | 2.40% | |||
| BCGE | Synchrony LPP 40 B | CH0026517703 | active | 07.02.2007 | 1.29% | 2.71% | |||
| BCGE | Synchrony LPP 40 SRI B | CH0026517869 | active | 07.02.2007 | 1.36% | 2.66% | |||
| BCGE | Synchrony LPP 80 B | CH0358551346 | active | 20.09.2017 | 1.24% | 5.66% | |||
| BCGE | Synchrony LPP Bonds B | CH0026517331 | active | 07.02.2007 | 0.91% | 0.30% | |||
| BCV2 | BCV Pension 25 AP | CH0118631289 | active | 31.03.2011 | 1.10% | ||||
| BCV2 | BCV Pension 40 AP | CH0118631784 | active | 31.03.2011 | 1.13% | ||||
| Berner Kantonalbank | BEKB Strategiefonds Nachhaltig 20 (Vorsorge B) | CH0366022553 | active | 03.10.2017 | 1.05% | 4.01% | |||
| Berner Kantonalbank | BEKB Strategiefonds Nachhaltig 40 (Vorsorge B) | CH0366022702 | active | 03.10.2017 | 1.15% | 3.65% | |||
| Berner Kantonalbank | BEKB Strategiefonds Nachhaltig 60 (Vorsorge B) | CH0366023528 | active | 03.10.2017 | 1.25% | 3.90% | |||
| Berner Kantonalbank | BEKB Strategiefonds Nachhaltig Schweiz 40 (Vorsorge B) | CH0366023817 | active | 03.10.2017 | 1.15% | 4.73% | |||
| Credit Suisse | CSA Mixta-BVG | CH0002875703 | active | 16.07.1974 | 1.38% | 4.57% | 3.19% | 2.86% | 3.39% |
| Credit Suisse | CSA Mixta-BVG Basic | CH0014861493 | active | 15.11.2002 | 1.14% | 2.68% | 1.27% | 1.20% | 1.77% |
| Credit Suisse | CSA Mixta-BVG Defensiv | CH0007888339 | active | 25.11.1997 | 1.20% | 4.53% | 2.67% | 2.34% | 2.94% |
| Credit Suisse | CSA Mixta-BVG Equity 75 | CH0382614821 | active | 12.02.2018 | 1.48% | 4.09% | |||
| Credit Suisse | CSA Mixta-BVG Index 25 | CH0115202712 | passive | 29.09.2010 | 0.89% | 5.39% | 2.55% | 2.24% | |
| Credit Suisse | CSA Mixta-BVG Index 35 | CH0115202738 | passive | 29.09.2010 | 0.90% | 5.30% | 3.08% | 2.70% | |
| Credit Suisse | CSA Mixta-BVG Index 45 | CH0103826761 | passive | 01.10.2009 | 0.90% | 5.10% | 3.57% | 3.15% | 4.46% |
| Credit Suisse | CSA Mixta-BVG Index 75 | CH0382614722 | passive | 13.02.2018 | 1.00% | 3.77% | |||
| Credit Suisse | CSA Mixta-BVG Maxi | CH0008880665 | active | 27.09.1999 | 1.49% | 4.30% | 3.56% | 3.14% | 3.81% |
| EFG | EFG Life Invest — 40 cl. R | CH0110906226 | active | 01.06.2010 | 1.40% | 1.02% | 1.23% | ||
| Graubündner Kantonalbank | GKB (CH) Vorsorgefonds 25 V | CH0423561395 | active | 26.11.2018 | 0.50% | 3.30% | |||
| Graubündner Kantonalbank | GKB (CH) Vorsorgefonds 45 V | CH0383837504 | active | 24.11.2017 | 0.81% | 3.17% | |||
| J. Safra Sarasin2 | BVG Aktien 80 | CH0441200505 | active | 12.12.2018 | 1.66% | ||||
| J. Safra Sarasin2 | BVG Ertrag B | CH0024557131 | active | 02.05.2006 | 1.44% | ||||
| J. Safra Sarasin2 | BVG Nachhaltigkeit B | CH0020251382 | active | 18.12.2000 | 1.51% | ||||
| J. Safra Sarasin2 | BVG Nachhaltigkeit Rendite B | CH0035438008 | active | 19.12.2007 | 1.44% | ||||
| J. Safra Sarasin2 | BVG Rendite B | CH0020251143 | active | 20.12.1999 | 1.51% | ||||
| J. Safra Sarasin2 | BVG Wachstum B | CH0020251283 | active | 01.11.1991 | 1.62% | ||||
| J. Safra Sarasin2 | BVG Zukunft B | CH0024557453 | active | 02.05.2006 | 1.63% | ||||
| Luzerner Kantonalbank | LUKB Expert-Vorsorge 25 | CH0352060427 | active | 30.06.2017 | 0.52% | 4.21% | |||
| Luzerner Kantonalbank | LUKB Expert-Vorsorge 45 | CH0004055171 | aktiv | 11.10.1999 | 0.60% | 4.16% | 3.67% | 2.67% | 3.06% |
| Luzerner Kantonalbank | LUKB Expert-Vorsorge 75 | CH0352060435 | active | 30.06.2017 | 0.80% | 3.96% | |||
| Migros | Migros Bank (CH) Fonds 0 V | CH0365696696 | active | 30.06.2017 | 0.97% | ||||
| Migros | Migros Bank (CH) Fonds 25 V | CH0023406496 | active | 27.04.2006 | 0.90% | 1.95% | |||
| Migros | Migros Bank (CH) Fonds 45 V | CH0023406520 | active | 30.06.2017 | 0.90% | ||||
| Migros | Migros Bank (CH) Fonds Sustainable 0 V | CH0365696852 | active | 30.06.2017 | 1.16% | ||||
| Migros | Migros Bank (CH) Fonds Sustainable 25 V | CH0365696902 | active | 30.06.2017 | 1.12% | ||||
| Migros | Migros Bank (CH) Fonds Sustainable 45 V | CH0102706105 | active | 09.09.2009 | 1.07% | 2.64% | |||
| Mobiliar | Mobi-Fonds Select 30 | CH0016757517 | active | 30.09.2003 | 0.94% | 2.66% | 1.85% | ||
| Mobiliar | Mobi-Fonds Select 60 | CH0211608895 | active | 01.10.2013 | 1.00% | 4.37% | 3.15% | ||
| Mobiliar | Mobi-Fonds Select 90 | CH0484059214 | active | 11.10.2019 | n.a. | ||||
| OLZ | OLZ Smart Invest 65 ESG | CH0328149510 | active | 03.11.2016 | 0.65% | 2.81% | 2.76% | ||
| Pictet | FPLP — LPP/BVG-10‑P | CH0296543215 | active | 30.09.2015 | 0.70%1 | 4.57% | 1.96% | 1.97% | |
| Pictet | FPLP — LPP/BVG-25‑P | CH0017244432 | active | 30.12.1988 | 0.95%1 | 4.02% | 2.36% | 1.95% | |
| Pictet | FPLP — LPP/BVG-40‑P | CH0017244630 | active | 27.02.2004 | 1.15%1 | 4.23% | 2.95% | 2.36% | |
| Pictet | FPLP — LPP/BVG-Multi Asset Flexible‑P | CH0402419698 | active | 29.03.2018 | 1.15%1 | 5.35% | |||
| Pictet | FPLP — LPP/BVG-Short-Mid Term Bonds‑P | CH0017243665 | active | 27.02.2004 | 0.30%1 | -0.13% | -0.48% | -0.44% | |
| Pictet | FPPI — LPP/BVG-10‑P | CH0296545129 | active | 30.09.2015 | 0.70%1 | 4.49% | 5.72% | ||
| Pictet | FPPI — LPP/BVG-25‑P | CH0017245355 | active | 01.03.2004 | 0.95%1 | 4.03% | 2.37% | 1.92% | |
| Pictet | FPPI — LPP/BVG-40‑P | CH0017245405 | active | 31.12.1990 | 1.15%1 | 4.17% | 2.96% | 2.37% | |
| Pictet | FPPI — LPP/BVG-Multi Asset Flexible‑P | CH0402419755 | active | 29.03.2018 | 1.15%1 | 5.48% | |||
| Pictet | FPPI — LPP/BVG-Short-Mid Term Bonds‑P | CH0017245074 | active | 01.03.2004 | 0.30%1 | -0.14% | -0.51% | -0.47% | |
| Postfinance | Postfinance Pension 100 | 48478168 | passive | 13.06.2016 | 0.98% | ||||
| Postfinance | Postfinance Pension 25 | 1205626 | passive | 31.05.2001 | 0.87% | 1.98% | 1.52% | 2.65% | |
| Postfinance | Postfinance Pension 45 | 1205620 | passive | 31.05.2001 | 0.91% | 3.22% | 2.65% | 3.78% | |
| Postfinance | Postfinance Pension 75 | 31679313 | passive | 13.06.2016 | 0.97% | ||||
| Raiffeisen | Raiffeisen Pension Invest Futura Balanced I | CH0102295455 | active | 31.08.2009 | 1.10% | 2.40% | 2.20% | ||
| Raiffeisen | Raiffeisen Pension Invest Futura Equity I | CH0441199582 | active | 28.02.2019 | 1.52% | ||||
| Raiffeisen | Raiffeisen Pension Invest Futura Growth I | CH0189322339 | active | 18.12.2012 | 1.20% | 3.40% | 2.50% | ||
| Raiffeisen | Raiffeisen Pension Invest Futura Yield I | CH0102295414 | active | 31.08.2009 | 1.06% | 1.70% | 1.40% | ||
| Reichmuth & Co | Reichmuth Alpin Classic P | CH0030395138 | active | 01.01.2007 | 1.17% | 1.50% | 1.90% | ||
| Reichmuth & Co | Reichmuth Alpin P | CH0016555994 | active | 01.08.2003 | 1.16% | 1.10% | 1.60% | ||
| Schwyzer Kantonalbank | SZKB Ausgewogen V | CH0286264905 | active | 01.07.2016 | 1.00%1 | 4.93% | 3.16% | ||
| Schwyzer Kantonalbank | SZKB Einkommen V | CH0286264756 | active | 01.07.2016 | 0.90%1 | 3.42% | 1.56% | ||
| Schwyzer Kantonalbank | SZKB Ethik Ausgewogen V | CH0337624586 | active | 30.11.2016 | 1.10%1 | 6.32% | 3.20% | ||
| Schwyzer Kantonalbank | SZKB Ethik Einkommen V | CH0337623745 | active | 30.11.2016 | 1.00%1 | 4.29% | 1.86% | ||
| Schwyzer Kantonalbank | SZKB Ethik Kapitalgewinn V | CH0492416463 | active | 31.10.2019 | 1.30%1 | ||||
| Schwyzer Kantonalbank | SZKB Indexanlagen Ausgewogen V | CH0492416638 | passive | 31.10.2019 | 0.35%1 | ||||
| Schwyzer Kantonalbank | SZKB Indexanlagen Kapitalgewinn V | CH0492416703 | passive | 31.10.2019 | 0.35%1 | ||||
| Schwyzer Kantonalbank | SZKB Wachstum V | CH0322902484 | active | 01.07.2016 | 1.10%1 | 4.76% | 4.01% | ||
| Schwyzer Kantonalbank | SZKB Zinsertrag Plus V | CH0286263683 | active | 01.07.2016 | 0.75%1 | 3.79% | 1.37% | ||
| St. Galler Kantonalbank2 | SGKB Vorsorge Ausgewogen | CH0373465365 | active | 30.11.2017 | 0.96% | ||||
| St. Galler Kantonalbank2 | SGKB Vorsorge Einkommen | CH0373465324 | active | 30.11.2017 | 0.87% | ||||
| St. Galler Kantonalbank2 | SGKB Vorsorge Wachstum | CH0422345246 | active | 30.11.2018 | 1.05% | ||||
| Swiss Life | Swiss Life BVG Mix 25 P | CH0014369042 | active | 30.09.2002 | 1.41% | 3.98% | 2.15% | 1.83% | 3.14% |
| Swiss Life | Swiss Life BVG Mix 35 P | CH0014369166 | active | 30.09.2002 | 1.43% | 3.78% | 2.59% | 2.19% | 3.56% |
| Swiss Life | Swiss Life BVG Mix 45 P | CH0014369257 | active | 30.09.2002 | 1.45% | 3.75% | 3.20% | 2.48% | 3.95% |
| Swisscanto Invest by ZKB | Swisscanto (CH) Vorsorge Fonds 20 Passiv VT CHF | CH0133721065 | passive | 13.09.2011 | 0.42% | 5.20% | 2.45% | 1.98% | |
| Swisscanto Invest by ZKB | Swisscanto (CH) Vorsorge Fonds 45 Passiv VT CHF | CH0133721081 | passive | 13.09.2011 | 0.42% | 4.60% | 3.70% | 3.14% | |
| Swisscanto Invest by ZKB | Swisscanto (CH) Vorsorge Fonds 75 Passiv VT CHF | CH0353690909 | passive | 21.04.2017 | 0.42% | 3.36% | |||
| Swisscanto Invest by ZKB | Swisscanto BVG 3 Dynamic 0–50 VT CHF | CH0147777723 | active | 30.03.2012 | 0.98% | 4.21% | 2.79% | 2.38% | |
| Swisscanto Invest by ZKB | Swisscanto BVG 3 Index 45 VT CHF | CH0117507985 | passive | 01.11.2010 | 0.58% | 4.94% | 3.85% | 3.29% | |
| Swisscanto Invest by ZKB | Swisscanto BVG 3 Life Cycle 2015 VT CHF | CH0022412701 | active | 26.10.2005 | 1.01% | 5.17% | 2.22% | 1.88% | 2.83% |
| Swisscanto Invest by ZKB | Swisscanto BVG 3 Life Cycle 2020 VT CHF | CH0022412750 | active | 26.10.2005 | 0.97% | 5.37% | 3.09% | 2.70% | 3.82% |
| Swisscanto Invest by ZKB | Swisscanto BVG 3 Life Cycle 2025 VT CHF | CH0022412917 | active | 26.10.2005 | 0.92% | 5.32% | 4.08% | 3.44% | 4.43% |
| Swisscanto Invest by ZKB | Swisscanto BVG 3 Oeko 45 VT CHF | CH0011315915 | active | 01.04.2000 | 1.06% | 3.85% | 3.65% | 2.79% | 3.23% |
| Swisscanto Invest by ZKB | Swisscanto BVG 3 Portfolio 10 VT CHF | CH0011315881 | active | 21.09.1992 | 0.79% | 6.16% | 2.75% | 2.36% | 3.01% |
| Swisscanto Invest by ZKB | Swisscanto BVG 3 Portfolio 25 VT CHF | CH0011315899 | active | 03.11.1997 | 0.89% | 5.67% | 3.57% | 2.93% | 3.65% |
| Swisscanto Invest by ZKB | Swisscanto BVG 3 Portfolio 45 VT CHF | CH0011315907 | active | 24.09.1986 | 0.95% | 4.95% | 4.19% | 3.49% | 4.46% |
| UBS | UBS Vitainvest 100 World U | CH0413292308 | active | 15.11.2018 | 1.60% | -1.45% | |||
| UBS | UBS Vitainvest 25 Swiss U | CH0108526911 | active | 25.05.2010 | 1.25% | 1.40% | |||
| UBS | UBS Vitainvest 25 World U | CH0022476466 | active | 20.01.2006 | 1.35% | 1.42% | |||
| UBS | UBS Vitainvest 50 Swiss U | CH0108526986 | active | 25.05.2010 | 1.39% | 2.15% | |||
| UBS | UBS Vitainvest 50 World U | CH0022476508 | active | 20.01.2006 | 1.55% | 1.93% | |||
| UBS | UBS Vitainvest 75 Swiss U | CH0293175037 | active | 05.11.2015 | 1.56% | ||||
| UBS | UBS Vitainvest 75 World U | CH0293174600 | active | 05.11.2015 | 1.67% | ||||
| Vontobel | Vontobel Fund (CH) — Pension Invest Balanced A | CH0281017506 | active | 25.11.2015 | 1.29% | 2.50% | |||
| Vontobel | Vontobel Fund (CH) — Pension Invest Yield | CH0281016474 | active | 25.11.2015 | 1.27% | 1.80% | |||
| Zuger Kantonalbank | ZugerKB Fonds – Strategie Ausgewogen (CHF) BV | CH0382491063 | active | 31.10.2017 | 1.04% | 4.40% | |||
| Zuger Kantonalbank | ZugerKB Fonds – Strategie Dynamisch (CHF) BV | CH0435830614 | active | 30.11.2018 | 1.27% | 4.80% | |||
| Zuger Kantonalbank | ZugerKB Fonds – Strategie Konservativ (CHF) BV | CH0382492327 | active | 31.10.2017 | 1.15% | 5.80% |
1) Administrative fee/commission listed, as no TER is disclosed.
2) No updated factsheet available by the end of February 2020
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.