findependent Global 60

The highest-ranked 60% equity 3a in our ranking. The back-test does the heavy lifting, so read the caveats.

findependent Global 60 ranks #10 of 109 3a investment funds, ahead of VIAC Global 60 (#17), Descartes Index 60 (#20) and finpension Global 60 (#28). That position rests on findependent's back-test; the 3a is brand new as of 19 October 2026. It suits mid-career savers who want a genuine balance between growth and stability, with a global tilt.

What Does 0.29% All-In Actually Mean?

It means the fund costs, custody at ZKB, rebalancing and strategy changes all sit inside one 0.29% fee, charged quarterly on your average balance. On CHF 30,000, that's CHF 87 a year. finpension Global 60 charges 0.39%, or CHF 117, and VIAC's fee on Global 60 is 0.38% before fund costs.

The returns are where you need to squint. findependent's simulated record shows +31.3% over five years and +99.9% over ten, after all costs. A back-test tells you how the mix would have behaved, not what you'll get. Real performance only starts counting with the October 2026 launch.

What Actually Stands Out

Balanced portfolios usually mean lots of bonds. Here, 29% goes to bonds, 10% to Swiss real estate and 1% to cash, which spreads the defensive part across two asset classes. Equities are global, with only 10% in Switzerland, so the growth engine leans on the US and other world markets.

Most of the funds are Swisscanto Responsible index funds, which exclude coal, nuclear and weapons and aim for lower CO2 emissions. findependent takes no retrocessions, so there's no incentive to push you into pricier products. Findependent AG, the company behind the app, is supervised by FINMA.

What Most Reviews Miss

Of the 29% in bonds, 2.9% is emerging market debt in unhedged USD. That's the only part of your defensive sleeve exposed to currency swings, and it's easy to miss on the strategy overview. In the back-test, Global 60 still fell 27.8% in 2008, so the cushion is real but limited.

Trading is weekly. Deposits and strategy changes execute on the next weekly trading day, and transfers out are sold then too, arriving at the new provider within 10 business days. For long-term 3a money that's fine. It's less fine if you like to rebalance on a market dip the same afternoon.

The Bottom Line

Global 60 is the balanced strategy to beat in our ranking, if you accept a back-tested record. It costs less than its direct peers and spreads the defensive part better than a pure bond mix. For other balanced options, see our list of best 3a investment funds in Switzerland.

Verdict: The top balanced 3a on our scoring, for savers who want 60% global equities at a low fee and can wait for real results.