Unsere Einschätzung zu PF Pension ESG 25 Fund
PostFinance's conservative ESG fund. CHF 385 million in assets, but only +8% over five years.
PF Pension ESG 25 ranks #51 among 67 3a investment funds in Switzerland. It's PostFinance's conservative offering with 25% stocks and 65% bonds under an ESG mandate. The CHF 385 million in assets shows strong distribution power, but the five-year return of +8.12% is disappointing for any investment fund, even a conservative one.
Are the Fees Worth It?
The 1.13% TER is high for a conservative fund that barely outperforms a savings account. Over five years, this fund returned +8.12%, meaning roughly 5.65 percentage points went to fees (1.13% x 5 years). You kept +8.12%. In other words, the manager took almost as much as you earned.
A 25/65 allocation from LUKB costs 0.52% TER and returned +13.63% over five years. That's a 5.5-percentage-point return advantage while charging half the fees. The math is straightforward: PostFinance's conservative fund is expensive for what it delivers.
What Actually Stands Out
PostFinance has unmatched distribution across Switzerland through the postal network. If you already bank with PostFinance, adding a 3a fund is practically frictionless. Swing pricing is included, protecting existing investors from the transaction costs of large inflows and outflows.
The ESG mandate adds sustainability screening that excludes controversial industries. With CHF 385 million in assets, the fund is well-established and liquid. PostFinance's brand recognition and accessibility make it the default choice for many Swiss residents, even if it's not the optimal one from a pure investment standpoint.
What Most Reviews Miss
PostFinance isn't actually a bank in the traditional sense. It's a subsidiary of Swiss Post and operates under a different regulatory framework than banks. Your deposits are guaranteed by the Swiss Confederation, which is arguably stronger than a cantonal bank guarantee. But the investment products are managed by third-party asset managers, not by PostFinance directly.
The +8.12% five-year return means you averaged roughly +1.6% per year. After adjusting for the 1.13% TER, your gross return was about +2.7% per year. A 3a savings account paying 1.00% interest with zero risk would have earned you +5.10% over the same period. This fund's conservative allocation barely beat doing nothing.
The Bottom Line
PF Pension ESG 25 is a convenience product for PostFinance customers who want ESG exposure with minimal effort. It works, but it's not good value. The 1.13% TER on a conservative fund with mediocre returns makes cheaper alternatives look much more attractive. Explore your options in our guide to the best Pillar 3a products in Switzerland.
Verdict: Easy to set up through PostFinance but expensive for what you get. Conservative investors can find better returns at lower cost elsewhere.
Vorteile
- No custody fee
- Swing pricing protection
Nachteile
- Higher total costs (1.13% p.a.)
- Active management = higher fees
Produktdetails
Auf einen Blick
- 25% stocks allocation
- TER: 1.13%
- Swing pricing protection
- Actively managed
- No custody fee
Fund Details & Allocation
Fund Details & Allocation
Vermögensaufteilung
Aktien
25%
Obligationen
65%
Immobilien
10%
Anlagestrategie
Aktiv verwalteter Fonds
Fondsgrösse
CHF 385M
Depotbank
UBS
Swing Pricing
Ja
Gebühren & Kosten
Gebühren & Kosten
TER
1.13%
Depotgebühr
Kostenlos
Performance über Zeit
Historische Performance dieses Anlagefonds. Vergangene Performance ist kein Indikator für zukünftige Ergebnisse.
1 Jahr
+2.8%
3 Jahre
+16.4%
5 Jahre
+8.1%
10 Jahre
+20.1%
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
- 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 PF Pension ESG 25 Fund 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 PF Pension ESG 25 Fund from another provider?
- Yes, you can transfer your 3a balance to PF Pension ESG 25 Fund at any time without tax consequences, and PostFinance 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 PF Pension ESG 25 Fund guaranteed?
- No, investment fund returns are not guaranteed. Past performance of +8.1% over 5 years does not guarantee future results. Your capital can fluctuate with markets.
So haben wir dieses Produkt bewertet
PF Pension ESG 25 Fund 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.
Bereit zu eröffnen?
Eröffnen Sie das PF Pension ESG 25 Fund heute und profitieren Sie von den Vorteilen.