Swiss-made

Pillar 3a Comparison Tool: Compare Side by Side

Pick up to 3 Pillar 3a accounts or funds and see fees, returns, allocation and our verdict in columns next to each other. The best value in every row is highlighted in green.

Popular
At a glanceHighest rated:VIAC Global 100Lowest total cost:VIAC Global 100Best 5-year return:frankly Extreme 95 Index
Viac

VIAC Global 100

5.0/ 5
frankly

frankly Extreme 95 Index

4.9/ 5
Descartes

Descartes Index 100

4.7/ 5

Our verdict

Our rating
Best value in this row: 5.0
4.9
4.7
Our take

VIAC Global 100

VIAC Global 100 ranks #1 among 90 3a investment funds in Switzerland. It's built for investors who want maximum equity exposure at rock-bottom cost. If you have 15+ years until retirement and can stomach market drops without losing sleep, this is the benchmark everyone else is measured against.

frankly Extreme 95 Index

Frankly Extreme 95 Index ranks #2 among 90 3a investment funds in Switzerland. It's frankly's pure performance play: 95% stocks, passive index tracking, no ESG filters, no active management decisions. With CHF 843 million in assets, it's also the largest fund in the frankly lineup. The numbers don't lie.

Descartes Index 100

Descartes Index 100 ranks #5 among 90 3a investment funds in Switzerland. It's a passively-managed 99% equity strategy built on Swisscanto index funds and held in a personal securities account at Lienhardt & Partner Privatbank Zürich. Built for long-horizon investors who want index exposure plus optional human advice on demand.

Best for

VIAC Global 100

  • long-term investors who want maximum equity exposure with minimal fees
  • tech-comfortable savers who prefer app-based portfolio management
  • anyone with 15+ years to retirement who can handle full market volatility

frankly Extreme 95 Index

  • performance-focused investors who want the highest-returning passive 3a fund
  • cost-conscious savers who prefer index tracking over active management
  • long-term investors comfortable with 95% equity exposure and no ESG filters

Descartes Index 100

  • long-horizon investors who want index equity exposure with on-demand human advice
  • savers who prefer a personal securities account over a collective foundation
  • Swisscanto-friendly investors who like ESG-screened index funds as building blocks
Consider alternatives if

VIAC Global 100

  • you're within 10 years of retirement and can't afford a major drawdown
  • you want a human advisor or physical branch for support
  • you prefer some bond allocation to smooth out the ride

frankly Extreme 95 Index

  • ESG and sustainability criteria matter to your investment decisions
  • you're within 5 years of retirement and can't handle sharp market drops
  • you prefer a lower stock allocation for reduced volatility

Descartes Index 100

  • you only care about absolute lowest fees and don't need an advisor (VIAC Global 100 is cheaper)
  • you want a fund with a public ISIN and disclosed per-strategy AUM
  • you're within 10 years of retirement and need a meaningful bond cushion

Costs & Fees

Product Type
Investment Fund (3a)
Investment Fund (3a)
Investment Fund (3a)
Total Cost
Best value in this row: 0.41%
0.46%
0.61%
Total Expense Ratio
Best value in this row: 0.01%
0.02%
0.21%
Flat Fee
Best value in this row: 0.40%
0.44%
Best value in this row: 0.40%
Custody Fee
Free
Free
Free

Performance

1Y Perf.
+8.2%
Best value in this row: +9.7%
+4.0%
3Y Perf.
+42.7%
Best value in this row: +47.4%
+36.2%
5Y Perf.
+51.5%
Best value in this row: +52.8%
+24.7%
10Y Perf.
—
—
+122.9%

Fund Details

Equity share
99%
95%
99%
Allocation
Stocks99%Other1%
Stocks95%Real Estate3%Other2%
Stocks99%Other1%
Investment Strategy
Passive/Index Strategy
Passive/Index Strategy
Passive/Index Strategy
Fund Size
—
CHF 843M
—
Swing Pricing
No
No
No
Depositary Bank
UBS for securities, Bank WIR for cash
Zürcher Kantonalbank (ZKB)
Lienhardt & Partner Privatbank Zürich AG
ISIN
No ISIN.
CH0512157782
—

Pros & cons

Pros

VIAC Global 100

  • Low total costs (0.41% p.a.)
  • Strong 5-year performance (+51.5%)
  • No custody fee

frankly Extreme 95 Index

  • Low total costs (0.46% p.a.)
  • Strong 5-year performance (+52.8%)
  • No custody fee
  • Large fund size (stable)

Descartes Index 100

  • Good 3-year performance (+36.2%)
  • No custody fee
Cons

VIAC Global 100

  • High stock allocation = more volatility
  • No swing pricing protection

frankly Extreme 95 Index

  • High stock allocation = more volatility
  • No swing pricing protection

Descartes Index 100

  • High stock allocation = more volatility
  • No swing pricing protection

3 of 3 selected

Take the next step

Compare the Swiss products behind these numbers.

Adrien MissiouxJordana da Mata
Reviewed by Jordana da Mata
Last updated on

A ranking tells you who's on top. A head-to-head tells you which of your two or three finalists fits you better. Put them next to each other and let the numbers settle it.

How to use the comparison tool

  1. Pick up to 3 products. Mix 3a savings accounts and 3a investment funds freely.
  2. Or start from a preset. The popular comparisons (like VIAC Global 100 vs frankly Extreme 95) load a classic matchup in one click.
  3. Read the green. In every numeric row, the best value is highlighted: lowest cost, highest rate, strongest return. Count the greens, but weight them (more on that below).
  4. Toggle "Only differences". Rows where all products are identical disappear, so you only see what separates them.
  5. Share the link. The URL keeps your selection. Send it to your partner or save it for next year's review.

What to compare head-to-head

3a savings accounts

Accounts are simple, so the comparison is short:

  • Interest rate: the main number. Compare today's rate, not last year's headline.
  • Fees: almost always zero, but check. Any account fee eats into an already small return.
  • Flexibility: can you open several accounts for staggered withdrawals? Are transfers out free?

Tie-breaker: if rates are close, go with the provider where you can split your 3a into multiple accounts. That saves more tax at withdrawal than a tiny rate difference ever earns.

3a investment funds

This is where side-by-side really pays off, because the differences hide in the details:

  • Total cost, not just TER. The TER is only the fund's own cost. Some providers add a flat fee or custody fee on top. The tool adds everything into a total cost row: that's the number to compare.
  • Equity share. A fund with more stocks will usually beat a more defensive one in good years and fall harder in bad ones. Compare funds with a similar equity share, otherwise you're comparing risk levels, not providers.
  • Performance over 5 years or more. A one-year return mostly reflects the market mood of that year. Look at 5- and 10-year figures where available, and always after fees.
  • Fund size. Larger funds tend to be more stable and less likely to be closed or merged.
  • Swing pricing. Some funds adjust their price on days with big inflows or outflows, so trading costs fall on those who trade rather than on long-term holders. A minor point, but a good tie-breaker.

Comparing a 3a account with a 3a fund

You can put an account and a fund in the same comparison, but read it for what it is: two different risk levels, not two versions of the same product. The account guarantees your capital and pays a modest rate. The fund can fall in a bad year but has historically grown much more over long periods.

The rule of thumb: with 10+ years until retirement, a fund usually makes more sense. Within 5-10 years of retirement, shifting to accounts protects what you've built. Mixing both is common and sensible: keep investing new contributions in a fund while moving older 3a money into an account as withdrawal gets closer. Since you can hold several 3a accounts, you can run both at once within the same yearly limit (CHF 7,258 in 2026 if you're employed with a pension fund).

Typical head-to-heads people run

App vs app: VIAC vs frankly vs finpension

The most popular comparison on the site. All three invest in low-cost index funds, so the differences are in total cost at your chosen equity share, fund lineup and fee structure. Our VIAC vs finpension vs frankly guide goes deeper.

Bank app vs traditional bank fund

Worth running if your 3a still sits in your house bank's fund. Put it next to an app strategy with a similar equity share and look at the total cost row. That gap repeats every year.

Index vs sustainable version of the same fund

Many providers offer a sustainable variant of their standard strategy. Compare both: the sustainable version often has a slightly different cost, allocation and track record. Decide whether the difference is worth it to you.

FAQ

How many products can I compare at once?

Up to 3. Enough to settle a real decision while keeping the columns readable.

Where does the data come from, and how often is it updated?

From provider websites, factsheets and fee schedules. We check the data monthly, so rates, fees and returns reflect the latest published figures.

Can I share a comparison?

Yes. The link keeps your selection, so anyone who opens it sees exactly the same products side by side.

Why is a product with fewer green cells sometimes the better choice?

Because not all rows matter equally. A lower total cost over decades outweighs a better one-year return. Weight cost and long-term performance first.

Before and after comparing

Not sure which products belong on your shortlist yet? Start with the full Pillar 3a ranking, filter by what matters to you, then come back here for the final head-to-head. For the full picture on a single provider, including our verdict, pros and cons, read the Pillar 3a reviews.