Swiss Pillar 3a Investment Funds

Fund performance, TER fees, and asset allocation. Compare Swiss 3a investment funds.

Higher Return Potential

Investment funds offer significantly higher long-term returns than savings accounts by investing in equities, bonds, and other asset classes.

Flexible Asset Allocation

Choose your equity exposure from conservative (25% stocks) to aggressive (99% stocks) based on your risk tolerance and time to retirement.

Low TER Fees

Digital providers like VIAC and Finpension offer TER fees as low as 0.00% to 0.40%, significantly lower than traditional bank funds.

Sustainable Options

Many providers now offer ESG and sustainable investment strategies, letting you grow your retirement savings while investing responsibly.

Top Pillar 3a Investment Funds in Switzerland

VIAC Global 100

VIAC Global 100

Viac
TER:0.01%
Stocks:99%
5.0/5
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#2
frankly Extreme 95 Responsible

frankly Extreme 95 Responsible

frankly
TER:0.00%
Stocks:95%
5.0/5
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#3
VIAC Global 80

VIAC Global 80

Viac
TER:0.02%
Stocks:80%
5.0/5
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Best 3a Investment Funds

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About Swiss Pillar 3a Investment Funds

Pillar 3a investment funds allow you to invest your retirement savings in the stock market and other asset classes, potentially earning much higher returns than savings accounts over the long term. They combine the tax advantages of pillar 3a with the growth potential of capital markets.

Leading 3a investment fund providers in Switzerland include VIAC, Finpension, Frankly (by ZKB), and True Wealth. Key comparison factors include the TER (total expense ratio), available investment strategies, equity allocation options, historical performance, and whether sustainable investment options are offered.

Frequently Asked Questions

Are 3a investment funds risky?+
Investment funds carry market risk, meaning your capital can fluctuate in value. However, for retirement savings with a time horizon of 10 years or more, historical data shows that diversified equity investments have consistently outperformed savings accounts, even accounting for market downturns.
What TER fees should I expect?+
TER fees for Swiss 3a investment funds range from 0.00% (for passive index strategies at VIAC) to over 1.0% at traditional banks. Digital providers like VIAC, Finpension, and Frankly typically charge between 0.00% and 0.50%, while traditional bank funds can charge 0.80% to 1.50%.
Can I switch between savings and investment funds?+
Yes, most 3a providers allow you to switch between savings and investment fund strategies. You can also transfer your entire 3a balance to a different provider. The transfer process typically takes 2 to 4 weeks and is free of charge at most providers.