
Same management team as BKB's growth fund. The label changed, the product didn't.
Bank Cler Nachhaltig Wachstum ranks #39 among 82 3a investment funds in Switzerland. This is BKB's subsidiary running the same sustainability-focused growth strategy with 77% stocks and 20% bonds. The five-year return of +22.72% is virtually identical to its BKB sibling, which tells you everything about how "different" these two funds really are.
The 1.23% TER is a penny higher than BKB's identical fund. On a CHF 50,000 portfolio, that's CHF 615 per year in management fees. Over 25 years of compounding, this fee level eats into returns significantly compared to funds charging 0.40-0.60%.
The performance numbers tell the real story: +22.72% over five years versus BKB's +22.61%. A 0.11% difference over five years. Same managers, same strategy, same securities. The two funds are functionally interchangeable, and your choice should come down to which bank you already use.
Bank Cler positions itself as the more modern, digitally-focused arm of the BKB group. The app experience is generally considered more polished than BKB's traditional offering. If you're a younger investor who wants sustainability without visiting a branch, Bank Cler's digital-first approach may appeal.
Swing pricing is included, protecting you from transaction costs caused by other investors' trades. The fund's sustainability criteria exclude controversial weapons, coal mining, and companies with poor ESG governance scores. The CHF 64 million fund size is smaller than BKB's version, but still adequate.
With CHF 64 million in assets compared to BKB's CHF 106 million, Bank Cler's version is meaningfully smaller. Smaller funds carry slightly higher per-unit operational costs and face greater closure risk if they don't grow. For a 20-30 year retirement investment, the larger BKB fund offers marginally more stability.
The active management has not justified its cost. A passive global 75/25 fund available through frankly or VIAC would have delivered comparable or better returns at roughly half the total cost. You're paying 1.23% for ESG screening and cantonal bank comfort, not for performance alpha.
If you bank with Bank Cler and sustainability matters to you, this fund is a reasonable choice within your existing relationship. But it's essentially the same product as BKB's version at a marginally higher price. For a broader view of your options, explore our Pillar 3a comparison tool.
Verdict: A perfectly adequate ESG growth fund, but the 1.23% TER is hard to justify when cheaper alternatives deliver similar or better results.
In sintesi
Azioni
77%
Obbligazioni
20%
Altro
2%
Strategia di investimento
Fondo gestito attivamente
Dimensione fondo
CHF 64M
Banca depositaria
UBS Switzerland AG, Zürich
Swing Pricing
Sì
TER sintetico
1.23%
Commissione di custodia
Gratuito
Performance storica di questo fondo di investimento. Le performance passate non sono indicative dei risultati futuri.
1 anno
+3.0%
3 anni
+23.4%
5 anni
+22.7%
Basato su un contributo max. di CHF 7'258/anno, età 30 a 65 (35 anni), partendo da CHF 0.
Bank Cler Nachhaltig Wachstum (CHF) V è stato valutato come prodotto utilizzando il nostro sistema di punteggio ponderato.
Le valutazioni vengono aggiornate mensilmente sulla base dei dati più recenti disponibili. Tutti i prodotti vengono valutati con la stessa metodologia.
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