findependent Standard 60

Twenty more points of equity than Global 40, and the exact same score. The Swiss tilt is why.

findependent Standard 60 ranks #22 of 109 3a investment funds, while Global 60, with the same mix but fewer Swiss stocks, ranks #10. We scored it on findependent's back-test, the only data available for a 3a that opened on 19 October 2026. It's the middle-of-the-road option for savers who want balance and a 40% Swiss equity share.

Is a Smoother Ride Worth Less Return?

findependent's back-test puts Standard 60 at +26.9% over five years and +89.5% over ten, after all costs. Global 60 simulated +31.3% and +99.9%. Standard 60 also fell less in 2008 in the simulation, -25.8% against -27.8%, so you give up a little return for a slightly smoother ride, at least on paper.

The fee is the same as every findependent strategy: 0.29% all-in, charged quarterly on your average balance. On CHF 75,000, that's CHF 217.50 a year. The simple average of the other 3a funds in our database is 0.82%, which would cost CHF 615 on the same amount.

What Actually Stands Out

Balance here means 60% stocks, 29% bonds, 10% Swiss real estate and 1% cash. Within the equities, 40% are Swiss and 60% foreign, so you get Swiss blue chips without leaning entirely on them. Bonds are mostly Swiss franc investment-grade, plus a 2.9% emerging market slice in USD.

The small costs are gone too: no FX markups since every fund trades in CHF, no stamp duty, no exchange fees. Strategy changes are free, which matters if you plan to step down to Standard 40 or 20 as retirement nears. Findependent AG is a FINMA-supervised securities firm.

What Most Reviews Miss

The real estate slice isn't as cheap as it looks. The Swisscanto real estate fund has a 0.00% TER but invests in Swiss real estate funds from the SXI Real Estate Funds Broad index, which carry their own costs. findependent discloses this. On 10% of your portfolio, it nudges your true cost slightly above 0.29%.

If you're mid-career, think about home ownership too. Withdrawing 3a money early to buy property is charged per findependent's fee schedule, and the amount isn't published. If you might tap your 3a for a home in the next few years, ask findependent for the figure before you move your money.

The Bottom Line

Standard 60 is a sensible balanced 3a if you want a real Swiss share and a low fee, and you're fine with a simulated record for now. If the home question is on your mind, read our guide to using your 3a to buy a home before you choose a provider.

Verdict: A low-cost balanced 3a with a Swiss tilt; Global 60 scores higher if you don't mind a US-heavy portfolio.