finpension has added new parameters to the performance comparison of pillar 3a funds. This further completes the figures and makes them even more comparable. In this article, you can also learn what to look out for when assessing performance figures and what digital app providers do differently for even better performance.
In the performance comparison, finpension now also lists indirect costs that may be incurred when buying and selling pension funds, namely the following:
- Custody fees
- Purchase and sales fees (brokerage fees)
These costs are shown in the Costs+ column on an annual basis. Transaction costs assume a holding period of ten years. Important: These additional annual costs are not yet included in the performance figures. Other costs such as issue, conversion and redemption commissions are also possible.
The TER costs of the funds are not listed. Because the TER costs are incurred within the fund, they are already included in the performance of the pension fund. The TER can be found in the comparison of fees of 3a funds.
Which 3a funds yield the highest return?
Each column of the table can be sorted for an individual comparison of the criteria. By default, the table is sorted by share proportion (descending). Where no value is recorded, none is available.
(Factsheets end August 2023)
Fund name | ISIN/Valor | a/p | Equities | Costs+ | 1Y | 3Y | 5Y | 10Y | 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% |
What to consider when comparing 3a funds?
- Share proportion: Compare the return of funds with a similarly high share proportion. If you compare 3a funds with different levels of equity exposure, you are comparing apples with oranges. Because the counterpart to the return is always the risk, and the easiest way to express the risk is with the equity component. With a high share of equities, you have higher return opportunities but also a higher risk.
- Time period: Compare the return of a period as long as possible. Comparing one-year performance numbers makes little sense. It is quite possible that actively managed pension funds achieve a better return in one year than passive funds. Whether they manage to do so over several years can only be seen in the three-, five- or ten-year return figures.
- Timing: compare fund returns at the same point in time. Since the stock markets are always moving, you need to make sure the fact sheets whose numbers you’re comparing are from the same cutoff date. Some providers take longer than others to publish the month’s new factsheets. By the end of the month, all factsheets are usually available as of the end of the previous month.
New digital providers of a Pillar 3a app are significantly more competitive
New digital app providers of a pillar 3a are sometimes significantly cheaper than the long-established banks and insurance companies, which has a positive impact on returns in the long term – recognizable in the table using the example of finpension’s 3a investment strategies. Another reason why finpension performs better is the reclaiming of foreign taxes on dividends.
Find out here what distinguishes a good pension fund.