Unsere Einschätzung zu frankly Extreme 95 Index
+47.37% in three years. The highest return of any frankly fund, period.
Frankly Extreme 95 Index ranks #2 among 82 3a investment funds in Switzerland. It's frankly's pure performance play: 95% stocks, passive index tracking, no ESG filters, no active management decisions. With CHF 843 million in assets, it's also the largest fund in the frankly lineup. The numbers don't lie.
How Does the Return Stack Up?
The three-year return of +47.37% and five-year return of +52.75% are among the best in Swiss 3a. The 0.00% TER means every basis point of index return goes straight to your account. Your only cost is the 0.44% flat fee, totaling 0.44% all-in.
Compare that to the actively managed Responsible version: +44.27% over three years. The index version wins by over 3 percentage points, which reinforces the argument that passive beats active even in ESG-aware markets.
What Actually Stands Out
CHF 843 million in assets makes this the most popular frankly fund by a wide margin. That size matters: it means excellent liquidity, lower tracking error, and a fund that's clearly earned investor trust. Swisscanto's index tracking infrastructure is institutional-grade.
The five-year track record is genuinely strong. At +52.75%, you've more than doubled a typical 3a savings account return over the same period. The passive approach from Swisscanto means no human bias in stock selection, just broad market exposure.
What Most Reviews Miss
Without ESG screening, this fund holds everything the index holds, including oil companies, weapons manufacturers, and other controversial sectors. If your values matter as much as your returns, the Responsible version costs you about 3 percentage points over three years for that peace of mind.
The 95% stock allocation means significant drawdown risk. During 2022's sell-off, funds like this dropped 15-18%. With CHF 843 million in assets, the fund itself is stable, but your individual balance can swing dramatically. Make sure your risk tolerance matches reality.
The Bottom Line
For pure performance seekers, the frankly Extreme 95 Index is the strongest passive 3a fund with a proven track record. The combination of 0.00% TER, massive fund size, and top returns makes it hard to argue against. Check our full ranking of the best 3a investment funds in Switzerland to see the complete picture.
Verdict: The go-to choice for investors who want maximum passive returns and don't need ESG filters.
Vorteile
- Low total costs (0.46% p.a.)
- Strong 5-year performance (+52.8%)
- No custody fee
- Large fund size (stable)
Nachteile
- High flat fee (0.44%)
- High stock allocation = more volatility
- No swing pricing protection
- Issuing fee of 0.09%
- Sales/redemption fee of 0.08%
Produktdetails
Auf einen Blick
- 95% stocks allocation
- TER: 0.02%
- Passive/Index strategy
- No custody fee
Fund Details & Allocation
Fund Details & Allocation
Vermögensaufteilung
Aktien
95%
Obligationen
0%
Immobilien
3%
Andere
2%
Anlagestrategie
Passiv verwalteter Fonds
Fondsgrösse
CHF 843M
Depotbank
Zürcher Kantonalbank (ZKB)
Swing Pricing
Nein
Gebühren & Kosten
Gebühren & Kosten
Synthetische TER
0.02%
Pauschalgebühr
0.44%
Depotgebühr
Kostenlos
Ausgabegebühr
0.09%
Performance über Zeit
Historische Performance dieses Anlagefonds. Vergangene Performance ist kein Indikator für zukünftige Ergebnisse.
1 Jahr
+9.7%
3 Jahre
+47.4%
5 Jahre
+52.8%
Vorsorgeprognose
Basierend auf max. Beitrag von CHF 7'258/Jahr, Alter 30 bis 65 (35 Jahre), ab CHF 0.
Mit ähnlichen Produkten vergleichen
Häufig gestellte Fragen
- Why is the synthetic TER only 0.02%?
- It's a passively-managed fund-of-funds tracking equity indices, so the synthetic TER is just 0.02%, versus the 0.74% segment average. Add the 0.44% frankly flat platform fee and total annual cost lands near 0.46%, putting it among the cheapest 95% equity 3a options in Switzerland.
- What's the practical difference between the flat fee and the TER?
- The 0.44% flat fee is what frankly charges you on the platform. The 0.02% synthetic TER is the cost embedded inside the fund itself, paid to ZKB and the underlying index funds. Total ongoing cost is the sum, about 0.46% annually on your balance.
- Why include 3% real estate alongside 95% stock?
- The allocation is 95% stock, 3% real estate, and 2% in other assets. The real-estate sleeve adds a modest diversifier without changing the equity-heavy risk profile. Returns will still move with global equity markets.
- Is CHF 843M fund size a concern or a comfort?
- At CHF 843M, this is one of the largest passive 3a funds frankly runs. Large size means good liquidity, low operational frictions, and a sustainable platform. Past performance of +52.75% over five years reflects the strong equity-market cycle, not a guarantee of future returns.
So haben wir dieses Produkt bewertet
frankly Extreme 95 Index wurde als -Produkt mit unserem gewichteten Bewertungssystem evaluiert.
Die Bewertungen werden monatlich auf Basis der neuesten verfügbaren Daten aktualisiert. Alle Produkte werden nach derselben Methodik bewertet.
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