Alpian Swiss Very Dynamic

Alpian's top-ranked 3a plan is also its most Swiss: 98% equities with half the book in Swiss stocks.

Alpian Swiss Very Dynamic ranks #7 among 90 3a investment funds in Switzerland, the highest placement of any Alpian plan and a genuine top-10 result. It's maximum growth with a home accent: about 98% equities, half of that in Swiss companies, and at least 50% held in francs. At 0.75% all-in it's priced like the rest of the range, and the strong backtested numbers are simulated on indices, not a live track record.

Why This One Ranks Highest

Among Alpian's plans, this one scores best on our methodology because near-full equity exposure produced the strongest backtested returns across the 1, 3 and 5-year windows. Total cost is 0.75% (0.15% TER plus the 0.60% flat fee), the same as most of the range, and its 77.78% score edges out even the Global Very Dynamic sibling.

That said, 0.75% is still a premium. VIAC and frankly run all-equity plans around 0.40% to 0.44%. On CHF 100,000 that's roughly CHF 750 here versus CHF 400 to 440, a gap that compounds over decades against a passive strategy.

What Actually Stands Out

A 98% equity plan with a Swiss heart. Half the fund sits in Swiss equities, the rest in global (40%) and emerging-market (8%) stocks, with at least 50% anchored in francs. That's an unusually home-tilted way to run maximum growth, and the sector mix leans defensively Swiss, with health care the single largest slice at about 20%.

The backtested 10-year return of +117.7% is the payoff for that near-full equity exposure over a strong decade. It's passive and diversified through Alpian's BlackRock index blocks, so you're buying broad market beta with a Swiss accent, not a stock-picker's bets.

What Most Reviews Miss

Top-ranked doesn't mean low-risk. This is a 4-out-of-4 plan with 13.5% simulated volatility and a brutal -50.3% maximum drawdown. It can roughly halve in a bad year, and the heavy Swiss-equity concentration means a few large domestic companies drive a big chunk of the outcome, for better or worse.

The returns are backtested, hypothetical index figures from 2000 to 2025, so treat the 4.7% annualized number as a risk-and-shape illustration, not a promise. And the ranking reflects backtested performance; pay the 0.75% fee long enough on a passive fund and it will still erode your edge versus cheaper all-equity 3as.

The Bottom Line

Swiss Very Dynamic is Alpian's flagship for a reason: it's the range's best-scoring plan, a near-full-equity portfolio with a genuinely Swiss backbone. If you want maximum growth, a home tilt and the Alpian platform, it's a coherent pick, provided you can sit through a possible 50% drawdown. Compare it with the other top-10 funds on our best Pillar 3a products page.

Verdict: Alpian's strongest 3a plan and a solid high-equity, Swiss-anchored option, but the premium fee and -50% drawdown make it suitable only for committed, long-horizon investors.