finpension has compared over 120 different offers for this comparison of pension funds. Here you can find out which pension fund offers the highest returns and which indirect costs are incurred. We also show you what you can look out for when assessing performance figures.
Table of content
The comparison of pension funds briefly explained
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 pension funds and strategies yield the highest return?
Find out which pension fund performs best. 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. The table is based on the information from the respective factsheets as at the end of September 2024.
| Fund name | ISIN/Valor | a/p | Equities | Costs+ | 1Y | 3Y | 5Y | 10Y | 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% |
What to consider when comparing pension funds in Switzerland?
- 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 why ETFs are only second choice in pillar 3a.