findependent Switzerland 60

A balanced 3a that stays almost entirely in francs. In the back-test, that cost it 19 ranking places.

findependent Switzerland 60 ranks #29 of 109 3a investment funds, one place behind finpension Global 60 (#28) and well behind findependent's own Global 60 (#10). Its score comes from findependent's back-test, because real returns only start with the 19 October 2026 launch. It's for balanced savers who want Swiss companies and Swiss franc bonds first.

What Does the Home Bias Cost?

findependent's simulated figures show +21.1% over five years and +75.1% over ten, after all costs. Global 60 simulated +31.3% and +99.9%. The difference is purely where the stocks sit: 80% Swiss here versus 10% Swiss in Global. Over this period Swiss stocks lagged world markets, and the back-test shows it.

The fee doesn't change: 0.29% all-in. On CHF 50,000, that's CHF 145 a year, against CHF 195 at finpension. Note that finpension Global 60 earned its rank on real returns (+14.59% over five years), while Switzerland 60's comes from a simulation. Those aren't the same kind of number.

What Actually Stands Out

This is the franc-focused balanced option: 80% of the equities are Swiss, all 29% in bonds are Swiss franc bonds with no emerging market slice, and 10% goes to Swiss real estate. Apart from the 20% of equities held abroad, your portfolio lives in your own currency.

The plumbing is the same as across the range: zero-TER Swisscanto institutional index funds, custody at Zürcher Kantonalbank, no retrocessions and no FX markups. You can switch strategy for free if your view on home bias changes. findependent lists the full allocation on its 3a strategies page.

What Most Reviews Miss

Concentration is the hidden risk. Three names, Nestlé, Novartis and Roche, make up about 45% of the Large Caps Switzerland fund, and with 80% of your equities in Switzerland, they carry real weight. In the 2008 back-test, Switzerland 60 still fell 22.7%.

Execution is weekly. Deposits are invested on the next weekly trading day, and if you leave, your assets are sold on the next trading day and arrive at the new provider within 10 business days. Payments for the current tax year must reach findependent by 29 December, so don't leave your annual contribution to the last minute.

The Bottom Line

Switzerland 60 suits savers who care more about owning Swiss companies and avoiding currency risk than about maximizing the back-tested return. If that's you, it's the cheapest way we know to get it. For a wider view, browse the best Pillar 3a products in Switzerland.

Verdict: A franc-first balanced 3a at a low fee, ranked on a simulation, for home-bias investors who accept lower simulated returns.