finpension Switzerland 80

80% stocks, mostly Swiss, at a flat 0.39%. Cheaper than VIAC, but the home bias has lagged.

finpension Switzerland 80 ranks #28 among 122 3a investment funds in our comparison. It holds 80% stocks, 10% bonds, 9% real estate and 1% cash, with about 70% of the stocks in Swiss companies. It suits long-horizon investors who want high growth but prefer to keep most of their equity at home.

What Does the Swiss Tilt Cost You?

Quite a lot at this equity level. After the 0.39% fee, Switzerland 80 returned 35.83% over three years and 20.53% over five. finpension Global 80, at the same fee and risk level, did 42.54% and 27.16%. That's about 6.6 to 6.7 percentage points less over each period, a gap you'd feel on any decent balance.

Why the gap? Swiss stocks lagged world stocks in this period, and with 56% of the whole portfolio in Swiss equities, that shows. What you get in return is less currency risk, since most of your stocks are priced in francs. The flip side is concentration: the Large Caps Switzerland fund alone is 40% of the portfolio.

What Actually Stands Out

On cost, it's hard to beat at this risk level. You pay a flat 0.39% a year, all-in, with no custody, transaction or FX fees. VIAC Global 80 costs 0.46% all-in, so finpension saves CHF 35 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 the same balance.

The funds are 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, and your 3a belongs to the finpension 3a Vorsorgestiftung, not to the app company. Money is invested weekly.

What Most Reviews Miss

With just 10% bonds, there's little cushion. The five-year window includes the bond sell-off when interest rates rose in 2022, a period when stocks fell too, and this mix had almost nothing to soften it. If a big down year would make you sell, the high equity share works against you, Swiss focus or not.

The direct Swiss-focused rival is findependent Switzerland 80: 0.29% all-in, so CHF 50 a year less per CHF 50,000. But its figures are back-tested, since it launched on 19 October 2026, so you'd be comparing a simulation with finpension's real, after-fee returns. Our VIAC vs finpension vs frankly comparison covers the established players.

The Bottom Line

finpension Switzerland 80 is a cheap, transparent high-equity 3a for investors who want most of their stocks in francs. If currency risk doesn't bother you, Global 80 has returned more at the same price. You can also hold both, since finpension allows up to five 3a portfolios (see our guide to having several 3a accounts). If you sign up, 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 low-cost growth 3a with a strong Swiss tilt, best for long-horizon investors who prefer franc exposure and accept that it has trailed global stocks.