La nostra opinione su frankly Strong 75 Responsible
75% stocks with a 20% bond cushion and full ESG screening. The balanced choice.
Frankly Strong 75 Responsible ranks #9 among 82 3a investment funds in Switzerland. It hits the middle ground between growth and caution: enough equity for meaningful returns, enough bonds to soften downturns, and active ESG management to align with your values. With CHF 497 million in assets, plenty of Swiss investors agree this balance works.
Are the Fees Competitive?
You pay 0.44% total (0.00% TER plus 0.44% flat fee). For an actively managed ESG fund with a 75/20 stock-bond split, that's excellent. Most comparable funds from traditional banks charge 0.90-1.30%. Over 25 years of max contributions, the fee difference alone could mean CHF 15,000-20,000 more at retirement.
The three-year return of +35.09% and five-year return of +42.91% are solid for a balanced fund. You're not chasing the highest returns, but you're not leaving money on the table either.
What Actually Stands Out
The swing pricing mechanism protects you when large investors move money in or out. Without it, their transaction costs get shared across all holders. With it, the moving party bears their own costs. During volatile periods, this can save existing investors 0.1-0.3% annually.
The ESG screening by Swisscanto applies both exclusion criteria (no controversial weapons, no thermal coal) and positive selection (companies with strong sustainability ratings). It's not just a marketing label. The 20% bond allocation also includes sustainability-screened fixed income.
What Most Reviews Miss
The index version (frankly Strong 75 Index) returned +37.29% over three years compared to this fund's +35.09%. That's a 2.2-percentage-point gap favoring passive. Active ESG management sounds appealing, but it's consistently underperforming the simpler index approach in frankly's own product lineup.
Also, "75% stocks" doesn't tell the whole story. The remaining 20% bonds and 5% other assets introduce their own risks, including interest rate sensitivity. When rates rose sharply in 2022, both the equity and bond portions of balanced funds dropped simultaneously. Diversification didn't fully protect investors.
The Bottom Line
A strong choice for investors who want growth, ESG alignment, and some downside protection in one package. The fees are fair, the fund size is reassuring, and the track record is solid. Use our Pillar 3a calculator to see how this allocation projects over your specific timeline.
Verdict: Ideal for ESG-conscious investors with 10-15 years to retirement who want balanced growth without extreme volatility.
Pro
- Low total costs (0.46% p.a.)
- Strong 5-year performance (+42.9%)
- No custody fee
- Swing pricing protection
Contro
- High flat fee (0.44%)
- Active management = higher fees
Dettagli del prodotto
In sintesi
- 75% stocks allocation
- TER: 0.02%
- Swing pricing protection
- Actively managed
- No custody fee
Fund Details & Allocation
Fund Details & Allocation
Allocazione degli asset
Azioni
75%
Obbligazioni
20%
Immobili
5%
Strategia di investimento
Fondo gestito attivamente
Dimensione fondo
CHF 497M
Banca depositaria
Zürcher Kantonalbank (ZKB)
Swing Pricing
Sì
Commissioni e costi
Commissioni e costi
TER sintetico
0.02%
Commissione forfettaria
0.44%
Commissione di custodia
Gratuito
Performance nel tempo
Performance storica di questo fondo di investimento. Le performance passate non sono indicative dei risultati futuri.
1 anno
+5.8%
3 anni
+35.1%
5 anni
+42.9%
Proiezione pensionistica
Basato su un contributo max. di CHF 7'258/anno, età 30 a 65 (35 anni), partendo da CHF 0.
Confronta con prodotti simili
Domande frequenti
- Did Responsible outperform Index over 5 years?
- Yes, slightly. The Responsible version posted +42.91% versus +41.45% for the Index sibling over five years. Past performance is not a forward indicator, but with the same 0.44% flat fee, the active ESG variant didn't cost performance in this period.
- Why is the synthetic TER only 0.02% on an actively-managed fund?
- It's actively managed at the strategy level, but holdings include passive index components that pull the synthetic TER down to 0.02%. Combined with the 0.44% flat platform fee, all-in ongoing cost is about 0.46%, which is competitive with pure passive products.
- How does the 1-year performance gap of +5.82% vs Index +8.15% read?
- Over the most recent year, the Index variant of Strong 75 returned +8.15% versus +5.82% here. ESG screens can lead the active variant to underweight certain sectors that rallied. Performance gaps in single years are normal; the five-year reading remains slightly favourable for Responsible.
Come abbiamo valutato questo prodotto
frankly Strong 75 Responsible è stato valutato come prodotto utilizzando il nostro sistema di punteggio ponderato.
Le valutazioni vengono aggiornate mensilmente sulla base dei dati più recenti disponibili. Tutti i prodotti vengono valutati con la stessa metodologia.
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