Alpian Swiss Very Dynamic
Alpian
Overall Rating
Total Costs
0.75%
Stocks
98%
Investment Strategy
Passively-managed fund
Currency
CHF
Our Take on 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 #14 among 95 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.
Pros
- Strong 5-year performance (+43.2%)
- No custody fee
Cons
- High flat fee (0.60%)
- High stock allocation = more volatility
- No swing pricing protection
Product Details
At a Glance
- 98% stocks allocation
- TER: 0.15%
- Passive/Index strategy
- No custody fee
Fund Details
Fund Details
Investment Strategy
Passively-managed fund
Depositary Bank
Reyl Intesa Sanpaolo
Swing Pricing
No
Fees & Costs
Fees & Costs
TER
0.15%
Flat Fee
0.60%
Custody Fee
Free
Asset Allocation
How this fund splits your 3a money across asset classes, as published by the provider.
- StocksSwitzerland 50% · Abroad 48%98%
- Swiss equitiesSwitzerland50%
- Global equities (developed ex-CH)World ex Switzerland40%
- Emerging market equitiesEmerging Markets8%
- BondsSwitzerland2%
- Swiss bondsSwitzerland2%
Detailed breakdown as published by the provider, as of June 8, 2026.Source
Performance Over Time
Historical performance of this investment fund. Past performance is not indicative of future results.
1 Year
+12.5%
3 Years
+40.8%
5 Years
+43.2%
10 Years
+117.7%
Retirement Projection
Based on max. contribution of CHF 7'258/year, age 30 to 65 (35 years), starting from CHF 0.
Compare to Similar Products
Frequently Asked Questions
- Why does Swiss Very Dynamic rank higher than Alpian's Global Very Dynamic?
- It scored better on recent backtested performance. Its 1-year (+12.5%), 3-year (+40.8%) and 5-year (+43.2%) figures edged the global plan's, and both share the same 0.75% cost, so Swiss Very Dynamic ranks above the global plan. Same near-full equity exposure, slightly stronger recent backtest.
- How concentrated is Swiss Very Dynamic in Swiss stocks?
- Very. Around 50% of the fund is Swiss equities, with global (40%) and emerging-market (8%) stocks making up the rest, and at least 50% held in francs. That home concentration boosts returns when Swiss names do well but reduces diversification, and health care alone is about 20% of the book.
- How large a loss should I expect in a bad year?
- The simulation shows a -50.3% maximum drawdown with 13.5% annualized volatility, the steepest in Alpian's range. With only 2% in bonds, there's almost no buffer, so this 4-out-of-4 plan suits money you can leave invested for well over a decade.
How We Rated This Product
Alpian Swiss Very Dynamic was evaluated as a product using our weighted scoring system.
Ratings are updated monthly based on the latest available data. All products are evaluated using the same methodology.
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