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 juillet 2021)
| Nom du fonds | ISIN / Valor | a/p | Actions | Coûts+ | 1an | 3ans | 5ans | 10ans | 2016 | 2017 | 2018 | 2019 | 2020 | YTD |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| UBS Vitainvest World 100 Sustainable U | CH0413292308 | a | 100% | 0.00% | 19.5% | 7.0% | 13.6% | |||||||
| UBS Vitainvest Passive 100 Sustainable Q | CH1110134157 | p | 100% | 0.65% | ||||||||||
| Postfinance Pension 100 | 48478168 | p | 100% | 0.00% | 17.1% | |||||||||
| OLZ Equity World Optimized ESG | CH0328149510 | a | 100% | 0.00% | 12.2% | -10.0% | 8.7% | |||||||
| finpension Schweiz 100 | Divers | p | 100% | 0.00% | 29.7% | 11.7% | 11.9% | 20.0% | -10.3% | 28.0% | 6.2% | 16.4% | ||
| finpension Nachhaltig 100 | Divers | p | 100% | 0.00% | 31.1% | 11.5% | 11.9% | 18.3% | -9.6% | 26.1% | 7.0% | 16.1% | ||
| finpension Global 100 | Divers | p | 100% | 0.00% | 31.3% | 11.0% | 11.7% | 19.0% | -10.3% | 25.8% | 7.2% | 15.5% | ||
| GKB (CH) Strategiefonds Kapitalgewinn ESG V | CH0485242306 | a | 97% | 0.46% | 27.6% | 4.7% | 16.1% | 12.9% | ||||||
| Swisscanto AST Avant BVG Responsible Portfolio 95 DT | CH0568992488 | a | 95% | 0.43% | 16.2% | |||||||||
| Swisscanto (CH) IPF III Vorsorge Fonds 95 Passiv VT | CH0511961424 | p | 95% | 0.43% | 30.4% | 14.7% | ||||||||
| Raiffeisen Pension Invest Futura Equity I | CH0441199582 | a | 90% | 0.16% | 3.9% | 17.4% | ||||||||
| Mobi-Fonds Select 90 3A | CH0484059214 | a | 90% | 0.00% | 7.0% | 13.5% | ||||||||
| BEKB Strategiefonds Nachhaltig 90 (Vorsorge B) | CH0566362262 | a | 90% | 0.00% | 17.7% | |||||||||
| Migros Bank (CH) Fonds Sustainable 85 V | CH0584307802 | a | 85% | 0.00% | ||||||||||
| finpension Schweiz 80 | Divers | p | 80% | 0.00% | 26.0% | 10.7% | 10.4% | 16.7% | -8.9% | 24.7% | 5.9% | 14.3% | ||
| finpension Nachhaltig 80 | Divers | p | 80% | 0.00% | 27.5% | 10.4% | 10.3% | 15.5% | -8.5% | 23.2% | 6.0% | 14.5% | ||
| finpension Global 80 | Divers | p | 80% | 0.00% | 27.4% | 10.0% | 10.1% | 16.1% | -8.9% | 23.1% | 6.0% | 13.8% | ||
| BCGE Synchrony LPP 80 B | CH0358551346 | a | 80% | 0.25% | 10.0% | 2.4% | -8.5% | 23.1% | 4.8% | 14.6% | ||||
| BKB Anlagelösung - Wachstum (CHF) V | CH0432492475 | a | 78% | 0.00% | 20.4% | 3.1% | 12.3% | |||||||
| BKB Anlagelösung - Nachhaltig Wachstum (CHF) V | CH0432492533 | a | 78% | 0.00% | 20.3% | 4.4% | 12.6% | |||||||
| ZugerKB Fonds – Strategie Dynamisch (CHF) BV | CH0435830614 | a | 75% | 0.45% | 16.1% | 17.8% | 6.8% | 8.5% | ||||||
| UBS Vitainvest World 75 Sustainable U | CH0293174600 | a | 75% | 0.00% | 8.0% | 13.7% | -10.1% | 17.2% | 6.1% | 11.3% | ||||
| UBS Vitainvest Swiss 75 Sustainable U | CH0293175037 | a | 75% | 0.00% | 8.1% | 14.0% | -8.7% | 21.7% | 3.3% | 11.9% | ||||
| UBS Vitainvest Passive 75 Sustainable Q | CH1110134140 | p | 75% | 0.65% | ||||||||||
| Swisscanto BVG 3 Responsible Portfolio 75 RT | CH0414854486 | a | 75% | 0.43% | 23.8% | 8.4% | 18.6% | 5.9% | 12.6% | |||||
| Swisscanto (CH) IPF III Vorsorge Fonds 75 Passiv VT | CH0511961416 | p | 75% | 0.43% | 25.3% | 12.6% | ||||||||
| Postfinance Pension 75 | 31679313 | p | 75% | 0.00% | -8.1% | 22.0% | 5.3% | 13.6% | ||||||
| LUKB Expert-Vorsorge 75 | CH0352060435 | a | 75% | 0.33% | 26.9% | 9.4% | -9.0% | 21.4% | 6.7% | 13.7% | ||||
| CSA Mixta-BVG Index 75 | CH0382614722 | p | 75% | 0.00% | 23.1% | 7.4% | 19.7% | 4.2% | 11.5% | |||||
| CSA Mixta-BVG Equity 75 | CH0382614821 | a | 75% | 0.00% | 24.2% | 8.6% | 19.3% | 6.6% | 12.6% | |||||
| SGKB Vorsorge Wachstum V | CH0422345246 | a | 71% | 0.00% | 19.1% | 10.8% | ||||||||
| Raiffeisen Pension Invest Futura Growth I | CH0189322339 | a | 65% | 0.16% | 7.1% | 7.4% | 17.5% | 2.8% | 11.6% | |||||
| OLZ Smart Invest 65 ESG | CH0328149510 | a | 65% | 0.00% | 8.8% | 2.8% | 7.9% | -4.3% | 10.8% | -3.3% | 5.9% | |||
| Migros Bank (CH) Fonds Sustainable 65 V | CH0584307794 | a | 65% | 0.00% | ||||||||||
| SZKB Wachstum V | CH0322902484 | a | 63% | 0.46% | 15.7% | 6.0% | 6.5% | 5.1% | 10.1% | -6.9% | 16.1% | 2.6% | 8.6% | |
| SZKB Indexanlagen Kapitalgewinn V | CH0492416703 | p | 63% | 0.46% | 30.5% | 3.0% | 4.3% | 15.8% | ||||||
| SZKB Ethik Kapitalgewinn V | CH0492416463 | a | 63% | 0.46% | 29.3% | 3.3% | 8.4% | 17.5% | ||||||
| BLKB Next Generation Fund Growth B | CH0370830843 | a | 63% | 0.00% | 18.6% | 7.0% | -10.3% | 17.6% | 4.5% | 10.6% | ||||
| BLKB iQ Responsible Vorsorge Balanced B | CH0479448240 | a | 63% | 0.00% | ||||||||||
| Pictet FPPI - LPP/BVG-60 ESG-P | CH1110419004 | a | 60% | 0.00% | ||||||||||
| Mobi-Fonds Select 60 3A | CH0211608895 | a | 60% | 0.00% | 6.9% | 5.4% | 0.9% | 8.8% | -4.5% | 13.9% | 4.8% | 7.1% | ||
| finpension Schweiz 60 | Divers | p | 60% | 0.00% | 19.7% | 8.9% | 8.1% | 12.9% | -7.3% | 19.9% | 5.3% | 10.9% | ||
| finpension Nachhaltig 60 | Divers | p | 60% | 0.00% | 20.9% | 8.7% | 8.0% | 11.8% | -7.4% | 18.8% | 5.6% | 11.0% | ||
| finpension Global 60 | Divers | p | 60% | 0.00% | 20.9% | 8.5% | 8.1% | 12.6% | -7.4% | 18.8% | 6.0% | 10.6% | ||
| BEKB Strategiefonds Nachhaltig 60 (Vorsorge B) | CH0366023528 | a | 60% | 0.00% | 18.8% | 7.2% | -6.8% | 15.3% | 3.5% | 11.1% | ||||
| BKB Anlagelösung - Regelbasiert (CHF) V | CH0438362888 | a | 59% | 0.00% | -4.5% | 8.6% | ||||||||
| BKB Anlagelösung - Nachhaltig Ausgewogen (CHF) V | CH0432492517 | a | 53% | 0.00% | 14.1% | 3.1% | 8.5% | |||||||
| BKB Anlagelösung - Ausgewogen (CHF) V | CH0432492434 | a | 53% | 0.00% | 14.0% | 2.4% | 8.2% | |||||||
| UBS Vitainvest World 50 Sustainable U | CH0022476508 | a | 50% | 0.00% | 5.2% | 8.3% | -7.2% | 12.7% | 4.5% | 7.3% | ||||
| UBS Vitainvest Swiss 50 Sustainable U | CH0108526986 | a | 50% | 0.00% | 5.2% | 8.4% | -6.6% | 15.6% | 2.4% | 7.8% | ||||
| UBS Vitainvest Passive 50 Sustainable Q | CH1110134132 | p | 50% | 0.65% | ||||||||||
| SGKB Vorsorge Ausgewogen V | CH0373465365 | a | 50% | 0.00% | 13.5% | 4.1% | 7.4% | |||||||
| ZugerKB Fonds – Strategie Ausgewogen (CHF) BV | CH0382491063 | a | 45% | 0.45% | 11.5% | 6.2% | -8.2% | 15.4% | 6.8% | 5.5% | ||||
| Swisscanto BVG 3 Sustainable Portfolio 45 RT | CH0238047721 | a | 45% | 0.43% | 13.9% | 6.8% | 6.1% | 0.8% | 9.9% | -4.1% | 13.3% | 4.6% | 7.6% | |
| Swisscanto BVG 3 Responsible Portfolio 45 RT | CH0238052978 | a | 45% | 0.43% | 13.6% | 6.4% | 6.4% | 2.3% | 10.4% | -4.3% | 13.8% | 3.7% | 7.8% | |
| Swisscanto (CH) IPF III Vorsorge Fonds 45 Passiv VT | CH0511961408 | p | 45% | 0.43% | 15.5% | 8.2% | ||||||||
| Swiss Life BVG Mix 45 P | CH0014369257 | a | 45% | 0.00% | 13.2% | 5.7% | 5.1% | 5.7% | 2.1% | 8.5% | -6.0% | 13.0% | 3.3% | 7.5% |
| Postfinance Pension 45 | 1205620 | p | 45% | 0.00% | 6.4% | 5.6% | 5.8% | -5.5% | 13.7% | 3.7% | 8.1% | |||
| Migros Bank (CH) Fonds Sustainable 45 V | CH0102706105 | a | 45% | 0.00% | 5.2% | 7.3% | -4.6% | 13.0% | 3.0% | 5.9% | ||||
| Migros Bank (CH) Fonds 85 V | CH0584307786 | a | 45% | 0.00% | ||||||||||
| Migros Bank (CH) Fonds 65 V | CH0584307778 | a | 45% | 0.00% | ||||||||||
| Migros Bank (CH) Fonds 45 V | CH0023406520 | a | 45% | 0.00% | -5.8% | 12.9% | 1.7% | 7.8% | ||||||
| LUKB Expert-Vorsorge 45 | CH0004055171 | a | 45% | 0.33% | 17.4% | 6.7% | 6.3% | 5.2% | 1.1% | 9.2% | -5.6% | 14.4% | 4.6% | 9.1% |
| GKB (CH) Vorsorgefonds 45 ESG V | CH0383837504 | a | 45% | 0.46% | 16.1% | 5.9% | -6.4% | 11.2% | 4.0% | 9.1% | ||||
| CSA Mixta-BVG Index 45 | CH0103826761 | p | 45% | 0.00% | 13.5% | 6.4% | 5.7% | 6.1% | 4.0% | 8.1% | -5.4% | 13.7% | 4.9% | 7.3% |
| AKB Vorsorge 45 CHF VT | CH0436637562 | a | 45% | 0.40% | 13.7% | 4.8% | 3.9% | 7.6% | ||||||
| CSA Mixta-BVG Maxi | CH0008880665 | a | 43% | 0.00% | 12.6% | 5.3% | 5.2% | 5.5% | 1.5% | 8.8% | -4.9% | 12.5% | 2.6% | 7.4% |
| Raiffeisen Pension Invest Futura Balanced I | CH0102295455 | a | 40% | 0.16% | 5.1% | 4.8% | 12.2% | 2.4% | 7.5% | |||||
| Pictet FPPI - LPP/BVG-40 ESG-P | CH0017245405 | a | 40% | 0.00% | 12.8% | 5.6% | 5.1% | 2.2% | 8.8% | -6.4% | 12.7% | 4.6% | 6.1% | |
| finpension Schweiz 40 | Divers | p | 40% | 0.00% | 13.5% | 7.1% | 5.9% | 9.1% | -5.7% | 15.5% | 4.9% | 7.3% | ||
| finpension Nachhaltig 40 | Divers | p | 40% | 0.00% | 14.4% | 6.8% | 5.5% | 8.1% | -6.3% | 14.6% | 4.8% | 7.5% | ||
| finpension Global 40 | Divers | p | 40% | 0.00% | 14.5% | 6.8% | 5.8% | 9.0% | -6.0% | 14.7% | 5.2% | 7.2% | ||
| EFG Life Invest - 40 cl. R | CH0110906226 | a | 40% | 0.00% | 5.2% | 3.7% | 0.8% | 6.4% | -8.0% | 9.4% | 7.5% | 5.6% | ||
| BEKB Strategiefonds Nachhaltig Schweiz 40 (Vorsorge B) | CH0366023817 | a | 40% | 0.00% | 11.3% | 5.1% | -4.8% | 10.4% | 2.8% | 6.7% | ||||
| BEKB Strategiefonds Nachhaltig 40 (Vorsorge B) | CH0366022702 | a | 40% | 0.00% | 12.5% | 5.1% | -4.8% | 10.3% | 2.9% | 7.3% | ||||
| BCV Pension 40 AP | CH0118631784 | a | 40% | 0.00% | 13.2% | 5.8% | 5.5% | 8.7% | -5.3% | 15.1% | 1.9% | 7.2% | ||
| BCGE Synchrony LPP 40 SRI B | CH0026517869 | a | 40% | 0.25% | 5.5% | 1.1% | 8.6% | -6.7% | 14.0% | 2.2% | 7.8% | |||
| BCGE Synchrony LPP 40 B | CH0026517703 | a | 40% | 0.25% | 5.7% | 1.5% | 9.1% | -5.7% | 14.0% | 3.0% | 7.7% | |||
| Bâloise BVG-Mix Dynamic Allocation 0-80 | CH0432005046 | a | 40% | 0.40% | 15.8% | 9.1% | ||||||||
| Bâloise BVG-Mix 40 Plus R | CH0124249738 | a | 40% | 0.40% | 13.0% | 4.6% | 4.6% | 5.2% | 7.8% | |||||
| SZKB Indexanlagen Ausgewogen V | CH0492416638 | p | 38% | 0.46% | 12.8% | 1.0% | 3.3% | 6.7% | ||||||
| SZKB Ethik Ausgewogen V | CH0337624586 | a | 38% | 0.46% | 12.0% | 6.3% | 0.6% | 7.3% | -6.6% | 13.5% | 4.9% | 6.9% | ||
| SZKB Ausgewogen V | CH0286264905 | a | 38% | 0.46% | 11.1% | 4.8% | 4.6% | 2.6% | 6.9% | -5.3% | 12.5% | 2.1% | 6.0% | |
| ZugerKB Fonds – Strategie Konservativ (CHF) BV | CH0382492327 | a | 35% | 0.45% | 6.6% | 4.1% | -6.1% | 10.0% | 5.0% | 2.8% | ||||
| Swiss Life BVG Mix 35 P | CH0014369166 | a | 35% | 0.00% | 10.4% | 4.8% | 4.1% | 4.9% | 2.0% | 6.9% | -5.0% | 10.6% | 3.0% | 5.8% |
| Pictet FPPI - LPP/BVG-Multi Asset Flexible-P | CH0402419755 | a | 35% | 0.00% | 5.9% | 4.3% | 8.5% | 6.1% | 2.3% | |||||
| CSA Mixta-BVG Index 35 | CH0115202738 | p | 35% | 0.00% | 10.5% | 5.5% | 4.5% | 5.1% | 3.6% | 6.2% | -4.6% | 11.5% | 4.4% | 5.6% |
| CSA Mixta-BVG | CH0002875703 | a | 35% | 0.00% | 10.1% | 4.6% | 4.2% | 4.7% | 1.4% | 7.1% | -4.0% | 10.5% | 2.3% | 6.0% |
| Reichmuth Alpin P | CH0016555994 | a | 33% | 0.00% | 4.4% | 4.5% | 5.4% | 8.2% | -7.6% | 10.1% | 4.8% | 6.7% | ||
| Reichmuth Alpin Classic P | CH0030395138 | a | 33% | 0.00% | 3.5% | 3.9% | 4.7% | 8.3% | -8.7% | 11.9% | 1.8% | 6.3% | ||
| Mobi-Fonds Select 30 3A | CH0016757517 | a | 30% | 0.00% | 4.0% | 2.4% | 0.7% | 3.5% | -3.1% | 8.5% | 2.7% | 2.9% | ||
| BKB Anlagelösung - Nachhaltig Einkommen (CHF) V | CH0432492483 | a | 30% | 0.00% | 7.4% | 1.4% | 4.7% | |||||||
| BKB Anlagelösung - Einkommen (CHF) V | CH0432492418 | a | 30% | 0.00% | 7.5% | 1.2% | 4.3% | |||||||
| AKB Vorsorge 30 CHF VT | CH0436637489 | a | 30% | 0.40% | 10.0% | 3.7% | 3.4% | 5.4% | ||||||
| UBS Vitainvest World 25 Sustainable U | CH0022476466 | a | 25% | 0.00% | 2.7% | 4.7% | -4.6% | 8.0% | 3.2% | 3.4% | ||||
| UBS Vitainvest Swiss 25 Sustainable U | CH0108526911 | a | 25% | 0.00% | 2.7% | 4.6% | -4.4% | 9.4% | 1.8% | 3.9% | ||||
| UBS Vitainvest Passive 25 Sustainable Q | CH1110134124 | p | 25% | 0.65% | ||||||||||
| Swisscanto BVG 3 Responsible Portfolio 25 RT | CH0238052705 | a | 25% | 0.43% | 7.7% | 4.6% | 4.3% | 2.1% | 7.1% | -2.7% | 9.8% | 2.9% | 4.4% | |
| Swiss Life BVG Mix 25 P | CH0014369042 | a | 25% | 0.00% | 7.8% | 4.0% | 3.0% | 4.0% | 1.9% | 5.0% | -4.1% | 8.6% | 2.6% | 4.3% |
| SGKB Vorsorge Einkommen V | CH0373465324 | a | 25% | 0.00% | 7.0% | 2.5% | 3.8% | |||||||
| Postfinance Pension 25 | 1205626 | p | 25% | 0.00% | 4.1% | 3.1% | 3.7% | -3.4% | 8.5% | 2.6% | 4.8% | |||
| Pictet FPPI - LPP/BVG-25 ESG-P | CH0017245355 | a | 25% | 0.00% | 8.2% | 3.8% | 3.4% | 1.8% | 6.5% | -5.1% | 9.2% | 3.3% | 3.6% | |
| Migros Bank (CH) Fonds Sustainable 25 V | CH0365696902 | a | 25% | 0.00% | -3.0% | 7.9% | 1.5% | 3.2% | ||||||
| Migros Bank (CH) Fonds 25 V | CH0023406496 | a | 25% | 0.00% | 3.0% | 5.5% | -4.0% | 8.4% | 1.0% | 4.5% | ||||
| LUKB Expert-Vorsorge 25 | CH0352060427 | a | 25% | 0.33% | 11.0% | 4.7% | -3.7% | 10.0% | 3.0% | 5.6% | ||||
| GKB (CH) Vorsorgefonds 25 ESG V | CH0423561395 | a | 25% | 0.46% | 8.6% | 7.3% | 3.4% | 4.9% | ||||||
| CSA Mixta-BVG Index 25 | CH0115202712 | p | 25% | 0.00% | 7.5% | 4.4% | 3.3% | 4.1% | 3.2% | 4.3% | -3.7% | 9.1% | 3.7% | 4.0% |
| CSA Mixta-BVG Defensiv | CH0007888339 | a | 25% | 0.00% | 7.6% | 3.9% | 3.2% | 3.7% | 1.0% | 5.2% | -3.0% | -8.3% | 2.1% | 4.6% |
| BLKB Next Generation Fund Vorsorge Balanced B | CH0395929836 | a | 25% | 0.00% | 12.8% | 5.1% | 13.6% | 3.5% | 7.3% | |||||
| BCV Pension 25 AP | CH0118631289 | a | 25% | 0.00% | 7.9% | 3.7% | 3.2% | 5.4% | -3.8% | 9.8% | 1.4% | 4.1% | ||
| BCGE Synchrony LPP 25 B | CH0026517513 | a | 25% | 0.25% | 4.1% | 1.2% | 6.1% | -4.6% | 11.5% | 2.3% | 5.2% | |||
| Bâloise BVG-Mix 25 Plus R | CH0124249662 | a | 25% | 0.40% | 8.5% | 3.4% | 3.0% | 3.9% | 5.1% | |||||
| Swisscanto (CH) Vorsorge Fonds 20 Passiv VT | CH0133721065 | p | 20% | 0.43% | 8.2% | 4.8% | 3.4% | 3.5% | 4.5% | -3.8% | 9.2% | 4.1% | 4.3% | |
| finpension Schweiz 20 | Divers | p | 0.2 | 0.00% | 7.7% | 5.1% | 3.5% | 5.5% | -4.3% | 10.8% | 4.1% | 3.8% | ||
| finpension Nachhaltig 20 | Divers | p | 0.2 | 0.00% | 8.3% | 5.0% | 3.1% | 4.5% | -5.3% | 10.6% | 4.0% | 4.2% | ||
| finpension Global 20 | Divers | p | 0.2 | 0.00% | 8.4% | 5.2% | 3.6% | 5.5% | -4.6% | 10.8% | 4.4% | 4.1% | ||
| BLKB Next Generation Fund Vorsorge Yield B | CH0395929802 | a | 20% | 0.00% | 9.9% | 4.3% | 10.8% | 3.2% | 5.2% | |||||
| BEKB Strategiefonds Nachhaltig 20 (Vorsorge B) | CH0366022553 | a | 20% | 0.00% | 6.2% | 3.3% | -3.2% | 6.3% | 2.6% | 3.4% | ||||
| Bâloise BVG-Mix Dynamic Allocation 0-40 R | CH0343879125 | a | 20% | 0.40% | 7.7% | 3.8% | 4.3% | |||||||
| Bâloise BVG-Mix 15 Plus R | CH0124249597 | a | 15% | 0.40% | 5.4% | 2.3% | 1.9% | 2.9% | 3.1% | |||||
| AKB Vorsorge 15 CHF VT | CH0436637448 | a | 15% | 0.40% | 6.0% | 2.6% | 2.4% | 3.1% | ||||||
| SZKB Einkommen V | CH0286264756 | a | 10% | 0.46% | 6.7% | 2.7% | 2.2% | 0.8% | 3.1% | -3.9% | 7.2% | 1.3% | 3.3% | |
| Swisscanto BVG 3 Responsible Portfolio 10 RT | CH0238051954 | a | 10% | 0.43% | 3.1% | 3.2% | 2.4% | 2.1% | 3.8% | -1.4% | 6.7% | 2.1% | 2.0% | |
| Pictet FPPI - LPP/BVG-10 ESG-P | CH0296545129 | a | 10% | 0.00% | 4.1% | 2.3% | 1.7% | 1.7% | 4.0% | -3.6% | 6.2% | 1.6% | 1.7% | |
| SZKB Zinsertrag Plus V | CH0286263683 | a | 5% | 0.46% | 5.1% | 2.3% | 1.5% | -0.1% | 1.8% | -3.0% | 5.7% | 1.2% | 2.3% | |
| SZKB Ethik Einkommen V | CH0337623745 | a | 5% | 0.46% | 6.3% | 3.6% | 0.4% | 3.7% | -4.3% | 7.6% | 3.1% | 3.5% | ||
| Raiffeisen Pension Invest Futura Yield I | CH0102295414 | a | 0% | 0.16% | 3.0% | 2.4% | 8.4% | 1.4% | 3.4% | |||||
| Pictet FPPI - LPP/BVG-Short-Mid Term Bonds-P | CH0017245074 | a | 0% | 0.00% | 0.7% | -0.4% | -0.5% | -0.3% | -0.6% | -0.8% | -0.3% | -0.6% | 0.2% | |
| Migros Bank (CH) Fonds Sustainable 0 V | CH0365696852 | a | 0% | 0.00% | -1.1% | 2.4% | 0.1% | -0.6% | ||||||
| Migros Bank (CH) Fonds 0 V | CH0365696696 | a | 0% | 0.00% | -1.6% | 3.2% | 0.0% | 0.4% | ||||||
| finpension Schweiz 0 | Divers | p | 0% | 0.00% | 0.3% | -0.2% | -0.4% | -0.5% | -0.4% | 0.0% | -0.5% | 0.0% | ||
| finpension Nachhaltig 0 | Divers | p | 0% | 0.00% | 0.3% | -0.2% | -0.4% | -0.5% | -0.4% | 0.0% | -0.5% | 0.0% | ||
| finpension Global 0 | Divers | p | 0% | 0.00% | 0.3% | -0.2% | -0.4% | -0.5% | -0.4% | 0.0% | -0.5% | 0.0% | ||
| CSA Mixta-BVG Basic | CH0014861493 | a | 0% | 0.00% | 1.1% | 1.5% | 0.9% | 1.5% | 1.2% | 0.9% | 0.5% | 1.8% | 1.4% | 0.7% |
| BCGE Synchrony LPP Bonds B | CH0026517331 | a | 0% | 0.25% | -0.5% | 0.0% | -0.5% | -0.9% | 1.3% | -0.5% | -0.1% |
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.