La nostra opinione su VIAC Global 80
80% stocks, 20% bonds. The sweet spot that quietly returned +49% over five years.
VIAC Global 80 ranks #4 among 82 3a investment funds in Switzerland. Think of it as VIAC Global 100's more sensible sibling. You still get strong equity growth, but the 20% bond allocation smooths out the bumps. For investors who want aggressive exposure without going all-in, this is the balanced aggression most people actually need.
How Does the Return Stack Up?
The five-year return of +49.02% trails the 100% equity version by only 2.5 percentage points. That's a tiny price for having a 20% bond cushion during crashes. Your total cost is 0.42% annually (0.02% TER plus 0.40% flat fee), which is nearly identical to the all-equity version.
Put differently: in 2022 when markets dropped sharply, the 80/20 split meant roughly 3-4% less drawdown than a pure equity fund. For most investors, sleeping better during downturns is worth giving up a small sliver of upside.
What Actually Stands Out
The 20% bond allocation rebalances automatically, which is an underappreciated feature. When stocks crash, VIAC sells some bonds and buys cheaper stocks. When stocks soar, it trims equity and adds bonds. This systematic buy-low-sell-high approach adds real value over decades.
VIAC lets you adjust your allocation within boundaries. Starting with Global 80, you could tweak it to 75/25 or 85/15 depending on your comfort. That flexibility through the VIAC app is something most 3a providers don't offer.
What Most Reviews Miss
The bonds in this fund are globally diversified, which means currency risk on the fixed-income side. When the Swiss franc strengthens (as it often does), your foreign bonds lose value in CHF terms. Some competitors hedge their bond allocation back to CHF, which VIAC doesn't fully do.
Also, 80% stocks is still quite aggressive. If you watched your 3a drop 12-15% during a market sell-off and felt sick, this allocation might still be too high. Honest self-assessment matters more than optimizing for returns here.
The Bottom Line
VIAC Global 80 offers the best risk-return trade-off for most long-term 3a investors. You get 95% of the upside of a pure equity fund with meaningfully less downside volatility. Explore how it fits your profile using our Pillar 3a product finder.
Verdict: The ideal pick for investors with 10-20 years to retirement who want growth but also want to sleep at night.
Pro
- Low total costs (0.46% p.a.)
- Strong 5-year performance (+49.0%)
- No custody fee
Contro
- High flat fee (0.40%)
- High stock allocation = more volatility
- No swing pricing protection
Dettagli del prodotto
In sintesi
- 80% stocks allocation
- TER: 0.06%
- Passive/Index strategy
- No custody fee
Fund Details & Allocation
Fund Details & Allocation
Allocazione degli asset
Azioni
80%
Obbligazioni
0%
Immobili
10%
Altro
10%
Strategia di investimento
Fondo gestito passivamente
Banca depositaria
UBS for securities, Bank WIR for cash
Swing Pricing
No
Commissioni e costi
Commissioni e costi
TER sintetico
0.06%
Commissione forfettaria
0.40%
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
+9.0%
3 anni
+41.1%
5 anni
+49.0%
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
- What return has VIAC Global 80 delivered over five years?
- Five-year performance landed at 49.02%, with three-year at 41.06%. With 80% equities, 10% real estate and 10% other holdings, the fund captures most of the equity rally upside while keeping a modest diversification cushion below pure 100% equity exposure.
- Should you pick Global 80 or Global 100 for a 30-year horizon?
- Global 100 ran 99% equities and returned 51.49% over five years, versus 49.02% for Global 80. The flat fee is 0.40% in both cases. The choice comes down to whether you want the small diversification buffer of the 10% real estate and 10% other holdings in Global 80, or the marginally higher equity exposure of Global 100.
Come abbiamo valutato questo prodotto
VIAC Global 80 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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