finpension Global 100

99% stocks, a 0.00% fund TER and one flat 0.39% fee. finpension keeps the pricing refreshingly simple.

finpension Global 100 is one of 95 3a investment funds in our comparison, and it's the most aggressive of finpension's five Global strategies. It's built for investors with a long runway who want almost pure equity exposure at a flat 0.39% a year. If an 18% drop in a single year wouldn't make you sell, keep reading.

What Does a 0.00% TER Actually Mean Here?

Here's the honest version: the 0.00% TER doesn't mean free. finpension folds the fund costs into one flat 0.39% a year, and that's your total. No custody fees, no transaction fees, no FX fees, no issuing commission. On a CHF 50,000 balance, you pay CHF 195 a year. The average invested 3a fund in our comparison costs 0.59%, or CHF 295 for the same balance.

Against its closest rival, the gap is small but real. VIAC Global 100 costs 0.41% in our data, so finpension saves you CHF 10 a year per CHF 50,000. Nobody's retiring early on that. The bigger win is versus the 0.59% average: CHF 100 a year on that balance, every year, compounding quietly for decades.

What Actually Stands Out

The funds behind this strategy are institutional Swisscanto index funds reserved for pension money. That restricted investor circle matters: these funds can reclaim much of the foreign withholding tax on dividends, which retail products often leave on the table. There's also no stamp duty when the funds are bought or sold. Those are quiet return boosters you won't see in a fee table.

The other thing to know is the Swiss home bias. Around 40% of the equity part sits in Swiss stocks, with Novartis, Roche and Nestlé as top holdings. You'll find the full factsheet on finpension's website. Swisscanto by Zürcher Kantonalbank acts as custodian, and the 3a itself belongs to the finpension 3a Vorsorgestiftung, not to the app company.

What Most Reviews Miss

Look at the five-year number: 36.99% cumulative, versus 50.30% over three years. That's not a typo. The five-year window still includes 2022, when this strategy lost roughly 17% to 18%. With 99% in stocks and just 1% cash, there's no bond cushion at all. You need to be fine watching your 3a balance shrink for a year or two.

The home bias cuts both ways. A 40% Swiss slice reduces currency swings, but it concentrates a big chunk of your money in a handful of large Swiss companies. If you'd rather hold something closer to a pure world index, finpension lets you build a custom strategy fund by fund instead of taking the ready-made mix.

The Bottom Line

finpension Global 100 is one of the cheapest ways to hold an almost all-equity 3a in Switzerland, slightly undercutting VIAC Global 100 and well below the 0.59% average. It suits you if you have 15+ years to go and a strong stomach. See how it lines up in our guide to the best 3a investment funds in Switzerland. New clients can use code RTEQJB for a CHF 25 fee credit after paying in CHF 1,000 within 12 months (enter it at sign-up or within 24 hours).

Verdict: A low-cost, near 100% equity 3a with a Swiss tilt, best for long-horizon investors who won't flinch at an 18% down year.