Bank Cler
Investment Fund (3a)
ISIN: CH0432492319

Bank Cler Nachhaltig Wachstum (CHF) V

Bank Cler

Note globale

3.3/5

Coûts totaux

1.23%

Actions

77%

Stratégie d'investissement

Fonds géré activement

Devise

CHF

Investment Fund (3a)#39 / 82
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Notre avis sur Bank Cler Nachhaltig Wachstum (CHF) V

Votre compagnon financier suisse
Adrien Missioux
Adrien Missioux

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.

Are the Fees Worth It?

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.

What Actually Stands Out

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.

What Most Reviews Miss

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.

The Bottom Line

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.

Idéal pour: Bank Cler customers who want a sustainable growth fund without changing banks, investors who prefer Bank Cler's digital-first experience over BKB's traditional approach, those seeking a 77/20 equity-bond split with Swiss ESG standards
Envisagez des alternatives si: you're choosing between this and BKB's version purely on performance (they're identical), fee optimization is a priority and you can access cheaper ESG alternatives, you want a larger fund for greater long-term stability

Avantages

  • Good 3-year performance (+23.4%)
  • No custody fee
  • Swing pricing protection

Inconvénients

  • Higher total costs (1.23% p.a.)
  • Active management = higher fees
  • Smaller fund size

Détails du produit

En un coup d'œil

  • 77% stocks allocation
  • TER: 1.23%
  • Swing pricing protection
  • Actively managed
  • No custody fee

Fund Details & Allocation

Allocation d'actifs

Actions

77%

Obligations

20%

Autres

2%

Stratégie d'investissement

Fonds géré activement

Taille du fonds

CHF 64M

Banque dépositaire

UBS Switzerland AG, Zürich

Swing Pricing

Oui

Frais et coûts

TER synthétique

1.23%

Frais de garde

Gratuit

Performance au fil du temps

Performance historique de ce fonds d'investissement. Les performances passées ne préjugent pas des performances futures.

1 an

+3.0%

3 ans

+23.4%

5 ans

+22.7%

Projection de retraite

Basé sur une cotisation max. de CHF 7'258/an, de 30 à 65 ans (35 ans), à partir de CHF 0.

Capital projetéCHF 434'580
Cotisations totales
CHF 254'030
Croissance estimée
+CHF 180'550
Rendement net
2.9% p.a.
Brut: 4.2%
Impact des frais
-CHF 119'685
Frais totaux: 1.23%
Cotisations
Avec Bank Cler Nachhaltig Wachstum (CHF) V
Sans frais
Simuler avec notre calculateur 3aAjustez votre âge, cotisation et profil de risque pour une projection détaillée.

Comparer avec des produits similaires

Bank Cler Nachhaltig Wachstum (CHF) V

Bank Cler Nachhaltig Wachstum (CHF) V

Bank Cler

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LUKB Expert-Vorsorge 45 E

LUKB Expert-Vorsorge 45 E

Cantonal Bank of Luzern (LUKB)

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Coût total1.23%
Coût total0.60%
Performance 5 ans+22.7%
Performance 5 ans+24.2%
Actions77%
Actions45%

Questions fréquemment posées

How attractive is +22.72% over 5 years for a 77% equity fund?
The 5-year return of +22.72% is solid but below what a typical 80% equity 3a passive fund delivered in the same window. The gap traces back to the 1.23% TER, which is roughly double the segment average of 0.68% and compounds aggressively against a high-equity allocation.
Is the fund big enough to be stable?
Fund size is CHF 63.7 million, smaller than the segment average of CHF 464 million but larger than Cler's other Nachhaltig vehicles. It sits in a comfortable mid-band that is unlikely to be wound down, but is not yet at the scale where active management can negotiate the deepest cost concessions on the underlying holdings.
What does swing pricing actually do here?
Swing pricing adjusts the daily unit price when large flows happen, so existing investors don't subsidise the trading costs of joiners or leavers. On a CHF 63.7 million equity-tilted fund, this can save existing holders 0.1 to 0.3% per year in volatile markets. It is a real benefit of UBS-backed Swisscanto-style mandates.

Comment nous avons évalué ce produit

Bank Cler Nachhaltig Wachstum (CHF) V a été évalué en tant que produit à l'aide de notre système de notation pondéré.

Coût total (TER + frais) (30%)
Performance historique (25%)
Taille et stabilité du fonds (20%)
Diversification des actifs (15%)
Swing Pricing et protection (10%)

Les évaluations sont mises à jour mensuellement sur la base des dernières données disponibles. Tous les produits sont évalués selon la même méthodologie.

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