finpension has compared over 120 different offers for this comparison of pension funds performance. Here you can find out which pension fund performs best 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
Which pension funds yield the highest return?
What to consider when comparing pension funds in Switzerland?
New digital providers of a Pillar 3a app are significantly more competitive

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.

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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 nameISIN/Valora/pEquitiesCosts+1Y3Y5Y10Y20192020202120222023YTD
AKB Vorsorge 15 CHF ESG Fokus VTCH0436637448a15%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 VTCH0436637489a30%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 VTCH0436637562a45%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 RCH0343879125a20%0.40%1.37%9.58%-0.31%5.05%-9.38%4.79%6.24%
Bâloise BVG-Mix Dynamic Allocation 0-80CH0432005046a40%0.40%3.59%17.03%-0.49%12.25%-12.41%6.59%9.42%
Bâloise BVG-Mix 15 Plus RCH0124249597a15%0.40%0.00%7.93%-1.79%2.89%-10.73%5.19%5.13%
Bâloise BVG-Mix 25 Plus RCH0124249662a25%0.40%0.76%10.29%-1.52%5.56%-11.39%4.91%6.24%
Bâloise BVG-Mix 40 Plus RCH0124249738a40%0.40%1.75%14.12%-1.41%9.06%-12.29%5.17%7.64%
BCGE Synchrony LPP Bonds BCH0026517331a0%0.25%-1.31%1.32%-0.48%-1.96%-11.43%6.36%3.36%
BCGE Synchrony LPP 25 BCH0026517513a25%0.25%0.80%11.50%2.34%4.91%-14.61%5.18%6.32%
BCGE Synchrony LPP 40 BCH0026517703a40%0.25%1.79%14.04%3.00%8.50%-15.90%5.39%7.88%
BCGE Synchrony LPP 40 SRI BCH0026517869a40%0.25%1.35%14.01%4.17%8.75%-18.84%6.29%7.41%
BCGE Synchrony LPP 80 BCH0358551346a80%0.25%3.90%23.07%4.77%18.55%-19.16%4.78%9.83%
BCV Pension 25 APCH0118631289a25%9.56%-0.57%0.71%9.75%1.42%3.86%-13.59%5.53%6.57%
BCV Pension 40 APCH0118631784a40%11.49%0.03%2.01%15.13%1.88%8.06%-14.91%5.83%8.57%
BCV Pension 70 APCH0528270090a70%13.87%1.04%14.38%-16.35%6.00%11.47%
BEKB Strategiefonds Nachhaltig 20 (Vorsorge B)CH0366022553a20%9.90%-0.70%0.40%6.25%2.58%3.79%-14.50%6.10%6.10%
BEKB Strategiefonds Nachhaltig 40 (Vorsorge B)CH0366022702a40%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)CH0366023817a40%12.80%1.30%2.50%10.36%2.77%7.08%-13.90%7.20%9.10%
BEKB Strategiefonds Nachhaltig 60 (Vorsorge B)CH0366023528a60%14.90%1.60%4.20%15.25%3.46%14.14%-15.70%7.30%11.50%
BEKB Strategiefonds Nachhaltig 90 (Vorsorge B)CH0566362262a90%17.90%3.20%23.98%-17.00%8.30%15.10%
GKB (CH) Vorsorgefonds 25 ESG VCH0423561395a25%0.46%10.53%-0.53%7.29%3.44%4.75%-13.16%5.29%6.57%
GKB (CH) Vorsorgefonds 45 ESG VCH0383837504a45%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 VCH1131363652a75%0.46%14.72%2.50%-15.80%6.38%10.96%
GKB (CH) Strategiefonds Kapitalgewinn ESG VCH0485242306a97%0.46%17.65%1.63%4.70%20.31%-18.59%8.63%13.40%
LUKB Expert-Vorsorge 25 -E-CH0352060427a25%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- CH0004055171a45%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-CH0352060435a75%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-CH0352060526a100%0.33%18.80%-19.20%16.40%12.20%
Migros Bank (CH) Fonds 0 VCH0365696696a0%-2.18%-1.74%3.18%-0.03%-1.38%-11.24%3.09%2.93%
Migros Bank (CH) Fonds 25 VCH0023406496a25%-0.35%0.74%8.41%1.00%4.44%-11.72%4.77%5.76%
Migros Bank (CH) Fonds 45 VCH0023406520a45%0.78%2.50%12.92%1.67%9.19%-12.48%5.69%7.93%
Migros Bank (CH) Fonds 65 VCH0584307778a65%1.44%-13.49%5.87%9.88%
Migros Bank (CH) Fonds 85 VCH0584307786a85%1.95%-14.73%6.05%11.85%
Migros Bank (CH) Fonds Sustainable 0 VCH0365696852a0%-2.53%-2.18%2.42%0.05%-2.75%-11.64%2.80%-7.88%
Migros Bank (CH) Fonds Sustainable 25 VCH0365696902a25%-0.79%0.24%7.85%1.45%3.09%-12.75%5.06%5.26%
Migros Bank (CH) Fonds Sustainable 45 VCH0102706105a45%0.08%2.06%2.74%13.00%2.99%8.18%-14.12%5.98%7.28%
Migros Bank (CH) Fonds Sustainable 65 VCH0584307794a65%0.96%-14.93%6.68%8.93%
Migros Bank (CH) Fonds Sustainable 85 VCH0584307802a85%1.39%-16.69%7.11%10.85%
Mobi-Fonds Select 30 3ACH0016757517a30%0.73%1.15%1.77%8.50%2.70%1.90%-12.50%7.00%8.05%
Mobi-Fonds Select 60 3ACH0211608895a60%1.80%3.24%3.68%13.90%4.80%7.70%-13.60%6.50%11.24%
Mobi-Fonds Select 90 3ACH0484059214a90%2.46%7.00%16.70%-16.50%15.73%
OLZ Smart Invest 65 ESGCH0328149510a65%11.52%0.54%0.71%10.82%-3.28%6.12%-10.76%3.57%8.48%
OLZ Equity World Optimized ESGCH0488209336a100%17.42%3.83%-9.89%10.79%-9.15%5.52%13.43%
Pictet FPPI - LPP/BVG-Short-Mid Term Bonds-PCH0017245074a0%3.79%0.19%-0.06%-0.27%-0.63%-0.20%-5.04%3.70%2.34%
Pictet FPPI - LPP/BVG-10 ESG-PCH0296545129a10%7.62%-1.79%-0.72%6.21%1.61%0.83%-12.67%3.63%4.15%
Pictet FPPI - LPP/BVG-25 ESG-PCH0017245355a25%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-PCH0402419755a35%7.81%-3.08%-0.45%8.45%6.09%2.03%-15.06%1.15%4.60%
Pictet FPPI - LPP/BVG-40 ESG-PCH0017245405a40%10.66%-1.01%1.71%12.69%4.58%7.10%-14.40%3.49%7.67%
Pictet FPPI - LPP/BVG-60 ESG-PCH1110419004a60%12.62%-0.22%-15.72%4.14%10.17%
PF Pension - ESG 25 FundCH0012056260a25%-0.57%0.94%8.46%2.59%4.74%-12.76%5.18%5.82%
PF Pension - ESG 50 FundCH0012056203a45%0.46%2.80%13.74%3.74%9.43%-14.07%5.82%8.83%
PF Pension - ESG 75 FundCH0316793139a75%2.05%5.50%22.02%5.26%17.04%-15.59%7.66%11.67%
PF Pension - ESG 100 FundCH0484781684a100%3.67%5.76%22.53%-16.45%9.17%14.13%
Raiffeisen Futura - Pension Invest Yield VCH0102295414a0%0.16%-2.20%-0.60%8.40%1.40%2.30%-16.70%5.50%5.20%
Raiffeisen Futura - Pension Invest Balanced VCH0102295455a40%0.16%-1.40%1.20%12.20%2.40%7.50%-18.00%5.90%8.00%
Raiffeisen Futura - Pension Invest Growth VCH0189322339a65%0.16%-0.40%2.70%17.50%2.80%12.50%-18.90%6.20%10.70%
Raiffeisen Futura - Pension Invest Equity VCH0441199582a90%0.16%0.90%5.30%3.90%20.40%-20.80%7.00%14.90%
SZKB Obligationenfonds CHF VCH1143789514a0%0.46%7.15%-10.85%7.49%3.88%
SZKB Strategiefonds Zinsertrag Plus VCH0286263683a5%0.46%8.92%-0.31%0.56%5.73%1.17%1.45%-10.54%5.84%5.73%
SZKB Strategiefonds Einkommen VCH0286264756a10%0.46%9.54%0.10%1.27%7.24%1.27%3.15%-11.31%6.22%7.21%
SZKB Strategiefonds Ausgewogen VCH0286264905a38%0.46%11.05%0.75%2.84%12.45%2.08%7.10%-12.94%7.23%9.67%
SZKB Strategiefonds Wachstum VCH0322902484a63%0.46%13.69%1.71%4.63%16.11%2.60%11.33%-15.42%9.35%13.09%
SZKB Ethikfonds Einkommen VCH0337623745a5%0.46%8.26%-1.21%0.66%7.60%3.05%2.72%-12.87%5.14%5.90%
SZKB Ethikfonds Ausgewogen VCH0337624586a38%0.46%11.18%-0.37%2.71%13.47%4.89%7.18%-14.51%6.01%8.99%
SZKB Ethikfonds Wachstum VCH1128291262a63%0.46%14.58%-16.44%6.51%12.92%
SZKB Ethikfonds Kapitalgewinn VCH0492416463a100%0.46%18.95%1.69%3.33%8.40%21.08%-18.24%6.94%17.98%
SZKB Indexanlagen Ausgewogen VCH0492416638p38%0.46%10.26%-0.42%1.02%3.29%7.98%-14.59%6.67%8.40%
SZKB Indexanlagen Wachstum VCH1128291304p63%0.46%12.94%2.09%-15.82%7.56%11.68%
SZKB Indexanlagen Kapitalgewinn VCH0492416703p100%0.46%15.79%1.90%2.96%4.29%21.07%-16.48%8.58%15.23%
SGKB Vorsorge Einkommen VCH0373465324a25%0.46%8.61%0.62%1.24%8.60%0.20%3.60%-9.80%5.20%6.52%
SGKB Vorsorge Einkommen Eco VCH1123159118a25%0.46%8.64%-10.60%5.40%5.97%
SGKB Vorsorge Ausgewogen VCH0373465365a50%0.46%11.17%1.32%2.82%14.50%1.00%8.20%-11.60%5.40%9.38%
SGKB Vorsorge Ausgewogen Eco VCH1123158979a50%0.46%11.95%-12.80%6.60%8.76%
SGKB Vorsorge Wachstum VCH0422345246a71%0.46%13.87%1.45%3.72%19.30%0.80%11.80%-14.40%5.80%12.27%
SGKB Vorsorge Wachstum Eco VCH1123159217a71%0.46%15.15%-14.00%7.50%11.19%
Swiss Life BVG Mix 25 PCH0014369042a25%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 PCH0014369166a35%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 PCH0014369257a45%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 VTCH0133721065p20%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 VTCH0511961408p45%0.43%11.67%0.28%9.65%-13.90%5.27%8.71%
Swisscanto (CH) IPF III Vorsorge Fonds 75 Passiv VTCH0511961416p75%0.43%15.74%1.93%16.16%-15.51%7.58%11.88%
Swisscanto (CH) IPF III Vorsorge Fonds 95 Passiv VTCH0511961424p95%0.43%19.20%2.98%19.23%-17.75%10.52%14.14%
Swisscanto BVG 3 Responsible Portfolio 15 RTCH0238051954a15%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 RTCH0238052705a25%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 RTCH0238052978a45%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 RTCH0414854486a75%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 RTCH0238047721a45%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 DTCH0568992488a95%0.43%18.42%3.72%22.86%-16.99%10.34%14.15%
UBS Vitainvest World 100 Sustainable UCH0413292308a100%6.09%19.49%6.97%18.25%-18.46%9.91%12.28%
UBS Vitainvest Swiss 75 Sustainable UCH0293175037a75%3.94%21.67%3.31%15.37%-15.25%5.75%9.54%
UBS Vitainvest World 75 Sustainable UCH0293174600a75%4.55%17.18%6.10%14.60%-16.16%6.92%9.74%
UBS Vitainvest Swiss 50 Sustainable UCH0108526986a50%2.13%15.55%2.39%9.29%-14.13%5.64%7.36%
UBS Vitainvest World 50 Sustainable UCH0022476508a50%1.96%12.67%4.50%8.51%-14.86%4.58%6.60%
UBS Vitainvest Swiss 25 Sustainable UCH0108526911a25%0.51%9.42%1.77%3.56%-13.24%5.91%5.44%
UBS Vitainvest World 25 Sustainable UCH0022476466a25%-0.23%7.98%3.19%2.83%-13.65%2.88%4.16%
UBS Vitainvest passive 100 Sustainable QCH1110134157p100%0.65%4.52%-15.74%11.05%14.61%
UBS Vitainvest passive 75 Sustainable QCH1110134140p75%0.65%2.91%-15.65%9.58%12.14%
UBS Vitainvest passive 50 Sustainable QCH1110134132p50%0.65%1.15%-14.83%7.93%9.19%
UBS Vitainvest passive 25 Sustainable QCH1110134124p25%0.65%-0.53%-14.25%6.73%5.91%
ZugerKB Fonds – Strategie Konservativ (CHF) BVCH0382492327a40%0.45%-2.60%-0.10%10.00%5.00%2.40%-15.50%3.80%4.70%
ZugerKB Fonds – Strategie Ausgewogen (CHF) BVCH0382491063a50%0.45%-1.50%1.80%15.40%6.80%6.40%-16.20%5.10%6.80%
ZugerKB Fonds – Strategie Dynamisch (CHF) BVCH0435830614a75%0.45%-0.60%3.10%17.80%6.80%10.70%-16.60%5.80%8.70%
BLKB Next Generation Fund Growth BCH0370830843a63%10.40%0.01%3.43%17.60%4.45%12.55%-14.33%4.35%8.09%
BLKB Next Generation Fund Equity BCH0370830892a85%11.37%0.14%4.50%23.91%3.88%17.85%-15.80%3.91%9.91%
BLKB iQ Responsible Vorsorge Balanced BCH0479448240a63%12.76%0.53%2.52%3.76%8.28%-15.53%7.27%9.53%
BLKB iQ Responsible Equity Switzerland BCH0372701505a15.43%3.49%6.45%30.11%3.97%24.12%-16.84%7.69%13.00%
BKB Anlagelösung - Nachhaltig Einkommen (CHF) VCH0432492483a30%-1.21%0.26%7.37%1.35%4.41%-12.75%3.39%6.08%
BKB Anlagelösung - Nachhaltig Ausgewogen (CHF) VCH0432492517a50%-0.24%2.26%14.08%3.14%10.08%-14.05%4.21%8.08%
BKB Anlagelösung - Nachhaltig Wachstum (CHF) VCH0432492533a75%0.76%4.22%20.27%4.37%16.03%-15.67%5.48%10.34%
BKB Anlagelösung - Nachhaltig Aktien (CHF) VCH1184401326a95%6.20%11.88%
BKB Anlagelösung - Einkommen (CHF) VCH0432492418a30%-1.23%0.10%7.47%1.23%3.52%-12.18%2.90%5.94%
BKB Anlagelösung - Ausgewogen (CHF) VCH0432492434a50%-0.13%2.01%13.95%2.40%8.95%-13.38%3.58%8.45%
BKB Anlagelösung - Wachstum (CHF) VCH0432492475a75%1.08%3.98%20.40%3.12%15.06%-15.11%4.94%11.14%
BKB Anlagelösung - Regelbasiert (CHF) VCH0438362888a59%0.36%1.09%-4.54%10.31%-12.33%3.28%9.01%
Reichmuth Alpin Classic PCH0030395138a33%-1.50%0.90%11.90%1.80%6.10%-15.10%4.40%6.30%
Reichmuth Alpin PCH0016555994a33%-0.30%2.70%10.10%4.80%7.20%-12.50%5.10%-8.80%
finpension Global 0p0%3.98%-0.26%-0.46%0.04%-0.51%-0.84%-5.50%2.97%2.40%
finpension Global 20p20%10.88%-1.97%0.24%10.98%4.18%3.84%-16.14%5.20%5.31%
finpension Global 40p40%13.05%-0.62%2.17%14.86%4.98%8.53%-16.54%6.22%7.77%
finpension Global 60p60%15.15%0.55%3.92%18.76%5.56%13.18%-17.20%7.18%10.12%
finpension Global 80p80%17.34%1.86%5.70%23.07%5.77%18.06%-17.68%8.14%12.60%
finpension Global 100p100%17.98%2.54%6.63%25.71%6.44%19.76%-17.64%8.81%13.66%

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What to consider when comparing pension funds performance 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.

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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.