frankly Strong 75 Index

Same 75% stock allocation as the ESG version. But about 3.5 percentage points more over three years.

Overall Rating
4.8/5
Ranked #12 of 122View Top 10
  • Investment Fund (3a)
  • ISIN CH0512157774
Adrien Missioux
Written by Adrien Missioux
Last updated on Swiss Made
frankly
Total Costs
0.48%
Stocks
75%
Performance · 5 Years
+30.8%
Investment Strategy
Passively-managed fund
Best For:
investors who want balanced 75/25 exposure with pure index tracking, cost-conscious savers who prefer passive management over active stock-picking, anyone with 10-20 years to retirement looking for a set-it-and-forget-it 3a fund
Consider Alternatives If:
sustainability and ESG screening are important to your investment values, you want higher bond allocation (20%+) for more stability, you're looking for maximum equity exposure above 90%
On This Page

Our Take on frankly Strong 75 Index

Frankly Strong 75 Index ranks #12 among 122 3a investment funds in Switzerland. It's the passive counterpart to the Strong 75 Responsible, and the numbers make a clear case: +43.15% over three years versus +39.69% for the active ESG version. With CHF 573 million in assets, it's one of the most trusted balanced 3a funds in the country.

How Does the Return Stack Up?

Three-year return: +43.15%. Five-year return: +30.84%. The three-year figure beats the actively managed Responsible version, while over five years the ESG version is slightly ahead at +32.58%. The total cost is 0.48% (0.04% synthetic TER plus 0.44% flat fee), identical to the ESG alternative. So you're paying the same and, over the last three years, getting more return.

The passive approach tracks Swisscanto's broad indices without stock-picking or ESG filtering. That means lower turnover, which reduces hidden transaction costs. Over 20+ years of contributions, the compounding advantage of even 1-2% extra annually becomes very significant.

What Actually Stands Out

CHF 573 million in assets gives this fund serious scale. Large fund sizes mean better liquidity, tighter spreads on underlying holdings, and greater stability. The index approach from Swisscanto means predictable tracking of established market benchmarks.

The 75% stocks / 13% bonds / 12% other split provides genuine diversification. You're not just in equities; you have fixed income and alternative assets smoothing the ride. For investors who want a set-it-and-forget-it 3a, this allocation is close to the textbook efficient frontier.

What Most Reviews Miss

The bond allocation is 13%, lower than the Responsible version's 20%. That means slightly more volatility during downturns. If you assumed "Strong 75" means identical allocation across both versions, look again. The index version has a different underlying mix despite the same equity percentage.

Passive indexing also means you hold whatever the index holds, including declining industries and controversial companies. If that matters to you, the three-year return gap of about 3.5 percentage points might be a fair price for the ESG version's cleaner portfolio.

The Bottom Line

For pure performance within a balanced allocation, the frankly Strong 75 Index is hard to beat. Lower implicit costs than active management, proven track record, and a massive fund size. See all balanced 3a options in our best Pillar 3a products in Switzerland overview.

Verdict: The best balanced 3a fund for investors who prioritize returns over ESG screening and want hands-off index investing.

Pros
  • Low total costs (0.48% p.a.)
  • Strong 5-year performance (+30.8%)
  • No custody fee
  • Large fund size (stable)
Cons
  • No swing pricing protection
  • Issuing fee of 0.13%
  • Sales/redemption fee of 0.08%

Product Details

  • 75% stocks allocation
  • TER: 0.04%
  • Passive/Index strategy
  • No custody fee

Fund Details

Investment Strategy
Passively-managed fund
Fund Size
CHF 573M
Depositary Bank
Zürcher Kantonalbank (ZKB)
Swing Pricing
No

Fees & Costs

Synthetic TER
0.04%
Flat Fee
0.44%
Custody Fee
Free
Issuing Fee
0.13%

Asset Allocation

How this fund splits your 3a money across asset classes, as published by the provider.

Stocks 75.1%Bonds 11.9%Real Estate 4.9%Commodities & Gold 7.5%Money Market 0.5%
75.1%Stocks
  • StocksSwitzerland 26.5% · Abroad 48.6%75.1%
    • Foreign EquitiesWorld ex Switzerland48.6%
    • Swiss EquitiesSwitzerland26.5%
  • BondsSwitzerland 6.3% · Abroad 5.6%11.9%
    • Bonds CHFSwitzerland6.3%
    • Bonds Foreign CurrencyGlobal5.6%
  • Real EstateSwitzerland4.9%
    • Real Estate SwitzerlandSwitzerland4.9%
  • Commodities & Gold7.5%
    • Commodity (gold)7.5%
  • Money Market0.5%
    • Money Market0.5%

Detailed breakdown as published by the provider, as of September 30, 2026.Source

Performance Over Time

Historical performance of this investment fund. Past performance is not indicative of future results.

1 Year
+14.7%
3 Years
+43.1%
5 Years
+30.8%

Retirement Projection

Based on max. contribution of CHF 7'258/year, age 30 to 65 (35 years), starting from CHF 0.

Projected CapitalCHF 661'446
Total Contributions
CHF 254'030
Estimated Growth
+CHF 407'416
Net Return
5% p.a.
Gross: 5.5%
Fee Impact
-CHF 69'741
Total Fees: 0.48%
Contributions
With frankly Strong 75 Index
Without fees
Simulate with our 3a CalculatorCustomize your age, contribution & risk profile for a detailed projection.

Compare to Similar Products

frankly Strong 75 Index

frankly Strong 75 Index

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frankly Strong 75 Responsible

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Total Cost0.48%
Total Cost0.46%
5Y Performance+30.8%
5Y Performance+32.6%
Stocks75%
Stocks75%
Not sure? Compare with alternatives

Frequently Asked Questions

How does 75% stock translate to 5-year performance of +30.84%?

With 75% stock, 13% bond, and 5% real estate, the fund rode both the 2022 drawdown and the recovery since. The five-year window starts on 30.09.2021, close to the pre-2022 market peak, which is why the +30.84% cumulative return looks modest next to the +14.7% of the last twelve months alone. It's still ahead of passive finpension Global 80 (+27.16%) over the same period. Higher equity exposure also means deeper drawdowns when markets correct, so the path isn't smooth.

What does total ongoing cost look like?

Add 0.04% synthetic TER, the 0.44% flat platform fee, and a 0.13% issuing fee on contributions. On a steady CHF 7'258 annual contribution, that's roughly CHF 10 of issuing friction per year plus around 0.48% of running cost on the balance.

Is this safer than Extreme 95 for a long-horizon saver?

Marginally. Stock exposure drops from 95% to 75% and bonds add 13% of weight, smoothing drawdowns. Over 5 years, Extreme 95 Index returned +38.61% versus this fund's +30.84%, so you'd give up roughly 8 percentage points of cumulative return for the lower equity tilt.

How We Rated This Product

frankly Strong 75 Index was evaluated as a product using our weighted scoring system.

  • Total Cost (TER + Fees) (30%)
  • Historical Performance (25%)
  • Fund Size & Stability (20%)
  • Asset Diversification (15%)
  • Swing Pricing & Protection (10%)

Ratings are updated monthly based on the latest available data. All products are evaluated using the same methodology.

Information may have changed since our last review. Please verify all details directly with the provider before making any decisions.

frankly Strong 75 Index

4.8/5

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