finpension Switzerland 60

Balanced, low-cost and very Swiss. Just know that the home bias has trailed the global version.

finpension Switzerland 60 ranks #44 among 122 3a investment funds in our comparison. It holds 60% stocks, 30% bonds, 9% real estate and 1% cash, and about 70% of the stocks are Swiss. It suits investors 10 to 20 years from retirement who want growth while keeping most of their money in francs.

Are the Fees Competitive?

Yes. You pay a flat 0.39% a year, all-in, with no custody, transaction or FX fees. VIAC Global 60 costs 0.44% all-in, so finpension saves you CHF 25 a year per CHF 50,000. Against the 0.77% average of the other 3a investment funds in our comparison, the saving is CHF 190 a year on that balance, compounding for decades.

After fees, Switzerland 60 returned 9.57% over one year, 27.93% over three years and 11.65% over five. The five-year figure includes the bond sell-off when interest rates rose in 2022, when stocks and bonds fell together. Solid numbers, but not the best finpension offers at this risk level, which brings us to the home bias.

What Actually Stands Out

The Swiss focus is the whole point. About 70% of the equity part is in Swiss stocks (Large Caps plus Small & Mid Caps), versus about 40% in the Global version. That's 42% of your whole portfolio in Swiss companies. The largest bond fund holds Swiss franc bonds, and Swiss real estate makes up 6% of the portfolio versus 4% in Global.

Underneath sit institutional Swisscanto index funds reserved for pension money. They reclaim a large part of the foreign withholding tax on dividends, and there's no stamp duty on purchases and sales. Swisscanto by Zürcher Kantonalbank is the custodian. You can also hold up to five 3a portfolios, each with its own strategy, which helps with staggered withdrawals later.

What Most Reviews Miss

The home bias has cost money so far. finpension Global 60, at the same fee and risk level, returned 31.42% over three years and 14.59% over five, against 27.93% and 11.65% here. That's 3.49 points less over three years and 2.94 over five. Swiss stocks lagged world stocks in this period, and nothing guarantees that reverses.

The trade-off is concrete: less currency risk, more concentration. The Large Caps Switzerland fund alone is 30% of the portfolio. The direct Swiss-focused rival, findependent Switzerland 60, costs 0.29% all-in, but its figures are back-tested since it launched on 19 October 2026. A simulation isn't a track record.

The Bottom Line

finpension Switzerland 60 is a sound, low-cost balanced 3a for people who want their money to stay mostly in francs. If currency risk doesn't bother you, Global 60 has done better at the same price. See how both stack up in our guide to the best 3a investment funds in Switzerland. If you open an account, code RTEQJB gives a CHF 25 fee credit once you've paid in CHF 1,000 within 12 months (enter it at sign-up or within 24 hours).

Verdict: A fairly priced balanced 3a with a strong Swiss tilt, best for investors who value franc stability over matching global markets.