findependent Standard 80

Four times the Swiss stocks of Global 80. In the back-test, that home tilt costs five ranking places.

findependent Standard 80 ranks #9 of 109 3a investment funds. That rank rests on simulated returns: findependent's 3a opened on 19 October 2026, so we score its back-test. It holds 80% stocks, 40% of them Swiss, and suits growth investors who want a solid home share rather than an equity mix dominated by the US.

How Does the Back-Test Stack Up?

findependent's simulation shows +36.0% over five years and +128.1% over ten, after all costs. Global 80, with the same building blocks but only 10% Swiss equities, simulated +42.2% and +144.6%. The lower score here comes almost entirely from that gap, since both strategies share the same fee, custody and structure points.

On fees, you pay 0.29% all-in. Nearby in the ranking, frankly Strong 75 Index (#13) charges 0.44% plus fund costs and Descartes Index 80 (#15) costs 0.65% in total. On CHF 60,000, that's CHF 174 a year at findependent versus CHF 390 at Descartes. The fee saving is real; the returns above are simulated.

What Actually Stands Out

The 40% Swiss equity share is the reason to choose Standard over Global. Your Swiss stocks sit next to 60% foreign equities, 9% bonds, 10% Swiss real estate and 1% cash. Most equity and bond funds are Swisscanto Responsible funds, which exclude coal, nuclear and weapons and target lower CO2 emissions.

If the ready-made mix doesn't fit, findependent lets you build your own 3a from about 30 Swisscanto index funds at the same fee, each with a maximum weight and automatic rebalancing. You can also run up to five separate 3a portfolios to stagger withdrawals later, within the rules set by the Federal Social Insurance Office.

What Most Reviews Miss

The bond sleeve is small but not purely Swiss: 3.6% of the portfolio sits in emerging market bonds in unhedged USD. In a year when the dollar slides against the franc, that slice can lose value even if bond prices hold. It's a minor bet, but not one most people expect in a Swiss-tilted strategy.

The back-test also shows what 80% stocks means in a crash: -34.0% in 2008. And if you like talking to a person, know that findependent is app-only. Opening, deposits, strategy changes and transfers all happen on your phone. No web portal, no branch, no advisor on the line.

The Bottom Line

Standard 80 makes sense if you want a growth 3a with a real Swiss anchor at a fee most rivals can't match. If you're coming from another provider, switching is simpler than it sounds; our guide on how to transfer your 3a to another provider walks through it.

Verdict: A cheap, Swiss-tilted growth 3a, ranked on a back-test, for investors who value home bias over the last percent of simulated return.