finpension Global 80

80% stocks, 0.39% all-in, and a small but real edge over VIAC Global 80. Here's where it counts.

finpension Global 80 is one of 95 3a investment funds in our comparison. It keeps most of the growth engine of a full-equity strategy but adds 10% bonds and 9% real estate as a small buffer. For investors with a long horizon who want slightly less drama than Global 100, it's a natural pick.

How Does the Return Stack Up?

Net of the flat fee, Global 80 returned 42.54% over three years, 27.16% over five and 14.97% over the past year. That's roughly 8 points behind Global 100 over three years, the price of holding 20% outside equities. Over five years the gap is about 10 points, because bonds and real estate didn't shield you in 2022, when this strategy also fell roughly 17% to 18%.

Cost-wise, you pay 0.39% a year and nothing else. VIAC Global 80 costs 0.42% in our data, frankly sits at 0.44%, and the average invested 3a fund at 0.59%. On CHF 80,000, that's CHF 312 at finpension versus CHF 336 at VIAC, CHF 352 at frankly and CHF 472 at the average fund.

What Actually Stands Out

Two structural details make a real difference. First, the strategy uses institutional Swisscanto index funds reserved for pension money, which can reclaim much of the foreign withholding tax on dividends. Second, there's no stamp duty when the funds are bought or sold. Neither shows up in a fee comparison, yet both add up over a 20-year holding period.

You're also not locked into one mix. finpension lets you run up to five 3a portfolios, each with its own strategy. That's handy if you want to stagger withdrawals later or keep one portfolio more defensive than the rest. The full allocation and factsheet are on finpension.ch, with Swisscanto by Zürcher Kantonalbank as custodian.

What Most Reviews Miss

That 10% bond slice is thinner than it looks. In 2022, Global 80 lost roughly as much as Global 100, because bonds and stocks fell together that year. Pick Global 80 because you want a slightly smoother ride over the long run, not because you expect it to protect you when markets crash.

The flat fee is the other nuance. finpension charges 0.39% on every strategy, which is great at 80% equity and less great at lower equity levels, where VIAC charges less. And the factsheet puts Global 80 in the same very high risk tier as Global 100. Don't let the bond slice fool you into treating it as a balanced fund.

The Bottom Line

finpension Global 80 is a cheap, transparent high-equity 3a that edges out VIAC Global 80 by 0.03 points and frankly by 0.05. If you're torn between the big digital providers, our VIAC vs finpension vs frankly comparison breaks down the differences. One small extra: code RTEQJB gets you a CHF 25 fee credit once you've paid in CHF 1,000 within 12 months, provided you enter it at registration or within 24 hours.

Verdict: A strong pick for long-term investors who want 80% equity at a lower all-in cost than VIAC and frankly.