Alpian Swiss Dynamic

Growth-level equity exposure with a Swiss backbone, at 0.75%. The home tilt is the whole story here.

Alpian Swiss Dynamic ranks #28 among 90 3a investment funds in Switzerland, in the upper third. It pairs a growth-oriented 75% equity allocation with a strong Swiss tilt: at least half the book is in francs and Swiss stocks are the single biggest equity block. At 0.75% all-in it's priced like the rest of the range, and, as with every Alpian plan, the returns you'll see are backtested on indices rather than live.

0.75% for a Passive Growth Plan

Total cost is 0.75% (0.15% TER plus a 0.60% flat fee). That's roughly double VIAC's growth-plan pricing and clearly above frankly's 0.44%. On CHF 100,000 you'd pay about CHF 750 a year, and over a long 3a horizon that gap compounds hard against the low-cost leaders.

The strategy is passive, so the fee isn't buying active stock selection. As across the Alpian range, you're paying for the platform, the app and advisory access. Whether that's worth roughly CHF 350 a year more than a lean provider is the honest question to sit with.

What Actually Stands Out

The Swiss backbone in a growth plan is rare. With at least 50% in or hedged to CHF and around 39% of the fund in Swiss equities, you get aggressive equity exposure that still leans on home names. For a Swiss investor who wants growth without going all-in on the dollar and US mega-caps, that's a distinctive middle ground.

It's passive and diversified through Alpian's BlackRock index blocks, with a 25% bond sleeve for a little ballast. The backtested 10-year return of +82.7% shows the equity-heavy, Swiss-tilted mix performing strongly over a good decade for stocks.

What Most Reviews Miss

A Swiss tilt concentrates as much as it comforts. Leaning 39% into Swiss equities means a handful of large Swiss companies drive a big share of returns. That's less diversified than a global plan, and it cuts both ways in a downturn. The simulation shows 10.4% volatility and a steep -40.7% maximum drawdown.

The returns are also backtested, hypothetical index figures from 2000 to 2025, not earned live. A 3-out-of-4 rating still means big paper losses in a bad year, and the 0.75% fee keeps working against you whether markets rise or fall. Match the horizon to the risk before committing retirement money here.

The Bottom Line

Swiss Dynamic is a smart-looking option for a home-biased investor who wants growth-level equities without abandoning the franc. The Swiss tilt is its real differentiator; the 0.75% fee and passive design are the trade-offs. See how it stacks up against global growth rivals on our Pillar 3a comparison tool.

Verdict: A distinctive Swiss-anchored growth plan worth a look if you value the home tilt, but the premium fee and -41% drawdown mean it's for committed long-term investors only.