finpension Global 60

0.39% for a 60% equity mix. Exactly what VIAC charges, so the decision comes down to the details.

finpension Global 60 is one of 95 3a investment funds in our comparison, and it's the middle child of the Global range: 60% stocks, 30% bonds, 9% real estate and 1% cash. It suits investors roughly 10 to 20 years from retirement who want real growth without going all-in on equities.

Are the Fees Competitive?

Yes, though not uniquely so. You pay a flat 0.39% a year, with the funds' 0.00% TER already included and no custody, transaction or FX fees. VIAC Global 60 costs exactly the same 0.39% in our data, so price alone won't settle this matchup. Against the 0.59% average invested 3a fund, you save CHF 200 a year on a CHF 100,000 balance.

Performance net of fees: 10.11% over one year, 31.42% over three years and 14.59% over five. The five-year number looks modest because it still includes 2022, when the strategy dropped roughly 17% to 18%. Since then, the 60/30 mix has recovered well, which is exactly what a balanced strategy should do over time.

What Actually Stands Out

The tie-breaker is how the money is invested. finpension uses institutional Swisscanto index funds open only to pension money, which can reclaim much of the foreign withholding tax on dividends. There's no stamp duty on purchases or sales either. A retail ETF portfolio with the same allocation would typically miss out on both.

You also get choice beyond this one mix. finpension offers 18 ready-made strategies (0% to 100% equity, each in Global, Switzerland and Sustainable versions) plus fully custom portfolios built fund by fund. If you later want more Swiss exposure or a sustainable tilt at the same risk level, you can switch strategies without leaving the provider.

What Most Reviews Miss

A 60/30 split sounds balanced, but 2022 showed its limits. Stocks and bonds fell together, and this strategy lost roughly as much as finpension's high-equity versions that year. The factsheet rates its risk as high, not medium. If you picked a balanced strategy to avoid ever seeing a double-digit loss, adjust your expectations now rather than mid-crash.

One practical detail: Global 60 is a strategy built from several index funds, not a single fund, so it has no ISIN. You'll follow it in the finpension app, not on a fund data site. And remember that 9% sits in real estate, so the defensive part of your mix isn't all bonds.

The Bottom Line

finpension Global 60 is a sound, low-cost balanced 3a. Since it ties VIAC Global 60 on price, choose based on the fund implementation, the strategy menu and which app you prefer. You can compare Pillar 3a products side by side to check the allocations yourself. Opening an account? Code RTEQJB adds a CHF 25 fee credit after CHF 1,000 in contributions within 12 months (enter it at sign-up or within 24 hours).

Verdict: A fairly priced middle-ground 3a for investors 10 to 20 years out who accept that balanced still means real drawdowns.