finpension a ajouté de nouveaux paramètres à la comparaison des performances des fonds du pilier 3a. Cela permet de compléter les chiffres et de les rendre encore plus comparables. Dans cet article, vous apprendrez également à quoi il faut prêter attention lors de l’évaluation des chiffres de performance et ce que les fournisseurs d’applications numériques font différemment pour obtenir une performance encore meilleure.
Nous avons élargi notre comparaison des fonds du pilier 3a. A présent nous intégrons également les coûts indirects qui peuvent être encourus lors de l’achat et de la vente de fonds de prévoyance, à savoir :
- Les droits de garde
- Les frais d’achat et de vente (frais de courtage)
Ces coûts sont indiqués dans la colonne Coûts+ sur une base annuelle. Pour les coûts de transaction, nous avons supposé une période de détention de dix ans. Remarque : Ces coûts annuels supplémentaires ne sont pas inclus dans la performance. Par ailleurs, d’autres coûts ; commissions d’émission, de conversion et de rachat, peuvent venir s’ajouter.
Nous ne tenons pas compte des frais de TER des fonds. En effet, comme le frais de TER sont encourus au sein du fonds, ils sont de toute façon déjà pris en compte dans la performance. Vous trouverez le TER dans la comparaison des frais des fonds 3a.
Quels sont les fonds 3a qui offrent actuellement le meilleur rendement ?
Chaque colonne du tableau peut être triée. Par défaut, le tableau est trié en fonction de la part d’actions (décroissant).
(Factsheets à fin août 2023)
| Nom du fonds | ISIN/Valor | a/p | Actions | Coûts+ | 1J | 3J | 5J | 10J | 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% |
Autres éléments à prendre en compte pour comparer les fonds 3a
- Comparez les rendements sur une période aussi longue que possible. Comparer les chiffres de performance d’une année n’a guère de sens. Il est tout à fait possible que les fonds gérés activement réalisent un meilleur rendement sur une année que les fonds passifs. Pour savoir s’ils y parviennent également sur plusieurs années, il faut se référer aux chiffres de rendement sur trois, cinq ou dix ans.
- Comparez les rendements des fonds ayant une part en actions équivalente. Si vous comparez des fonds avec une allocation en actions différente, vous comparez des pommes avec des poires. En effet, la contrepartie du rendement est toujours le risque et la manière la plus simple d’exprimer le risque est la part en actions. Avec une part élevée d’actions, vous avez un potentiel de rendement plus élevé, mais vous supporter également un risque plus élevé.
- Comparez les rendements des fonds à la même date. Les marchés boursiers étant constamment en mouvement, vous devez vous assurer que les fiches d’information ont la même date. Certains prestataires prennent plus de temps que d’autres pour publier les fiches d’information mensuelles. À la fin du mois, toutes les fiches d’information sont généralement disponibles avec les données du mois précédent.
Les nouveaux fournisseurs proposant des applications numériques pour gérer l’épargne retraite du pilier 3a sont nettement plus compétitifs.
Les nouveaux fournisseurs d’applications numériques pour gérer l’épargne du pilier 3a sont souvent nettement moins chers que les banques et les assurances établies de longue date, ce qui a un effet positif sur les rendements à long terme (comme le montre également l’exemple des stratégies d’investissement 3a de finpension dans le tableau). Une autre raison pour laquelle les stratégies de finpension sont plus performantes est la récupération l’impôt étranger sur les dividendes.