Migros Bank
Investment Fund (3a)
ISIN: CH0584307778

Migros Bank (CH) Fonds 65 V

Migros Bank

Gesamtbewertung

3.3/5

Gesamtkosten

0.93%

Aktien

69%

Anlagestrategie

Aktiv verwalteter Fonds

Währung

CHF

Investment Fund (3a)#41 / 82
Top 10 ansehen

Unsere Einschätzung zu Migros Bank (CH) Fonds 65 V

Ihr Schweizer Finanzbegleiter
Adrien Missioux
Adrien Missioux

Migros Bank's balanced fund: 69% stocks at 0.93% TER. Solid cooperative banking, mid-table results.

Migros Bank (CH) Fonds 65 V ranks #41 among 82 3a investment funds in Switzerland. With 69% equities and 24% bonds, it sits in the growth-balanced sweet spot. The 0.93% TER is moderate for a traditional bank, and the three-year return of +26.78% is competitive. If you bank with Migros, this is a balanced option that does its job without drama.

How Does the Return Stack Up?

The three-year return of +26.78% is respectable for a 69/24 equity/bond fund. It trails LUKB Expert-Vorsorge 75 (+38.29%) which has a slightly higher equity allocation at a lower TER, but outperforms Swisscanto's 75 portfolio (+32.28%) over the same period. Wait, that looks inconsistent. The answer is that LUKB had an exceptionally strong stock selection period.

The one-year return of +4.95% is moderate. No five-year data is available yet, which limits long-term assessment. The 0.93% TER costs CHF 465 per year on a CHF 50,000 portfolio. That's more than double what VIAC or frankly charge for similar allocations.

What Actually Stands Out

Migros Bank's cooperative structure genuinely differentiates it from profit-driven banks. As part of the Migros group, the bank operates without external shareholders. This ownership model historically translates into fairer pricing and customer-first policies. It's not just marketing.

The CHF 74 million fund size is adequate for a balanced fund. Migros Bank has branches across German-speaking Switzerland and a straightforward banking approach. The active management provides the team flexibility to adjust equity and bond weights based on market outlook. The 69% equity allocation offers meaningful growth potential without going fully aggressive.

What Most Reviews Miss

Without a five-year track record, you're relying on three years of data to judge this fund. Three years captures a partial market cycle at best. The absence of swing pricing means you absorb the full impact of other investors entering or exiting the fund, which can create minor performance drag over time.

The 0.93% TER is fair by traditional bank standards but roughly 2x what digital platforms charge. For a fund that ranks #35 out of 67, the cost-to-performance ratio is average. The cooperative ethos is appealing, but it doesn't directly translate into lower fund fees or higher returns. It's a trust factor, not a performance factor.

The Bottom Line

Migros Bank Fonds 65 is a decent balanced 3a fund from a bank with genuine cooperative values. The three-year performance is competitive, and the 0.93% TER is reasonable for a traditional bank. It won't top any rankings, but it won't disappoint either. If you bank with Migros and want balanced growth, it works. See all options in our guide to the best 3a investment funds in Switzerland.

Verdict: A reliable balanced choice for Migros Bank customers who value cooperative banking, but cost-conscious investors have cheaper alternatives.

Ideal für: Migros Bank customers looking for a balanced 3a fund without switching providers, investors who appreciate cooperative ownership and customer-aligned banking values, those seeking a moderate growth allocation with active management from a trusted brand
Alternativen in Betracht ziehen, wenn: you want the lowest fees and digital competitors offer 0.40-0.44% for similar allocations, you need a five-year track record to evaluate a fund properly, you prefer passive index strategies with swing pricing protection

Vorteile

  • Good 3-year performance (+26.8%)
  • No custody fee

Nachteile

  • Higher total costs (0.93% p.a.)
  • Active management = higher fees
  • Limited track record (no 5-year data)
  • Smaller fund size
  • No swing pricing protection

Produktdetails

Auf einen Blick

  • 69% stocks allocation
  • TER: 0.93%
  • Actively managed
  • No custody fee

Fund Details & Allocation

Vermögensaufteilung

Aktien

69%

Obligationen

24%

Andere

7%

Anlagestrategie

Aktiv verwalteter Fonds

Fondsgrösse

CHF 74M

Depotbank

UBS

Swing Pricing

Nein

Gebühren & Kosten

TER

0.93%

Depotgebühr

Kostenlos

Performance über Zeit

Historische Performance dieses Anlagefonds. Vergangene Performance ist kein Indikator für zukünftige Ergebnisse.

1 Jahr

+5.0%

3 Jahre

+26.8%

Vorsorgeprognose

Basierend auf max. Beitrag von CHF 7'258/Jahr, Alter 30 bis 65 (35 Jahre), ab CHF 0.

Prognostiziertes KapitalCHF 1'071'532
Gesamtbeiträge
CHF 254'030
Geschätztes Wachstum
+CHF 817'502
Nettorendite
7.3% p.a.
Brutto: 8.2%
Gebühreneinfluss
-CHF 245'174
Gesamtgebühren: 0.93%
Beiträge
Mit Migros Bank (CH) Fonds 65 V
Ohne Gebühren
Mit unserem 3a-Rechner simulierenPassen Sie Ihr Alter, Beitrag & Risikoprofil für eine detaillierte Prognose an.

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Gesamtkosten0.93%
Gesamtkosten0.72%
5J Performance-
5J Performance+15.5%
Aktien69%
Aktien44%

Häufig gestellte Fragen

What does a 69% equity weighting mean for short-term swings?
It tilts the fund toward stock-market returns, both up and down. The 3-year performance sits at 26.78%, slightly above the 25.4% segment baseline. There's no 5 or 10-year figure yet for this share class, so the long-term picture is still forming.
Why is the fund size only CHF 74 million?
At CHF 74 million, it's well below the CHF 464 million segment average and the smallest in the equity-tilted Migros Bank family. Investors tend to either go defensive (0 V) or heavy on stocks (85 V), so the 69%-equity middle ground draws less interest. Smaller scale typically means slightly less efficient operations.

So haben wir dieses Produkt bewertet

Migros Bank (CH) Fonds 65 V wurde als -Produkt mit unserem gewichteten Bewertungssystem evaluiert.

Gesamtkosten (TER + Gebühren) (30%)
Historische Performance (25%)
Fondsgrösse und Stabilität (20%)
Vermögensdiversifikation (15%)
Swing Pricing und Schutz (10%)

Die Bewertungen werden monatlich auf Basis der neuesten verfügbaren Daten aktualisiert. Alle Produkte werden nach derselben Methodik bewertet.

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