Our Take on frankly Extreme 95 Index
+47.37% in three years. The highest return of any frankly fund, period.
Frankly Extreme 95 Index ranks #4 among 67 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.
Pros
- Low total costs (0.44% p.a.)
- Strong 5-year performance (+52.8%)
- No custody fee
- Large fund size (stable)
Cons
- 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%
Product Details
At a Glance
- 95% stocks allocation
- TER: 0.00%
- Passive/Index strategy
- No custody fee
Fund Details & Allocation
Fund Details & Allocation
Asset Allocation
Stocks
95%
Bonds
0%
Real Estate
3%
Other
2%
Investment Strategy
Passively-managed fund
Fund Size
CHF 843M
Depositary Bank
Zürcher Kantonalbank (ZKB)
Swing Pricing
No
Fees & Costs
Fees & Costs
TER
0.00%
Flat Fee
0.44%
Custody Fee
Free
Issuing Fee
0.09%
Performance Over Time
Historical performance of this investment fund. Past performance is not indicative of future results.
1 Year
+9.7%
3 Years
+47.4%
5 Years
+52.8%
Retirement Projection
Based on max. contribution of CHF 7’258/year, age 30 to 65 (35 years), starting from CHF 0.
Compare to Similar Products
Frequently Asked Questions
- What is the maximum annual Pillar 3a contribution?
- For employees with a pension fund, the maximum is CHF 7,258 per year (2025). Self-employed without a pension fund can contribute up to 20% of net income, max CHF 35,288. These amounts are fully tax-deductible.
- What are the tax benefits of this Pillar 3a product?
- Contributions to frankly Extreme 95 Index are fully deductible from your taxable income. Interest and returns grow tax-free. You only pay tax at a reduced rate when you withdraw at retirement.
- Can I transfer to frankly Extreme 95 Index from another provider?
- Yes, you can transfer your 3a balance to frankly Extreme 95 Index at any time without tax consequences, and frankly charges no transfer or closure fee.
- Should I choose a savings account or investment fund for my 3a?
- Savings accounts offer guaranteed returns with zero risk — ideal if you're close to retirement. Investment funds provide higher growth potential but with market risk — ideal for 10+ year horizons. Many Swiss residents split their contributions between both.
- Is the performance of frankly Extreme 95 Index guaranteed?
- No, investment fund returns are not guaranteed. Past performance of +52.8% over 5 years does not guarantee future results. Your capital can fluctuate with markets.
How We Rated This Product
frankly Extreme 95 Index was evaluated as a product using our weighted scoring system.
Ratings are updated monthly based on the latest available data. All products are evaluated using the same methodology.
Ready to Open?
Open the frankly Extreme 95 Index today and start enjoying its benefits.