VIAC Global 80

80% stocks, 20% bonds. The sweet spot that quietly returned +49% over five years.

VIAC Global 80 ranks #4 among 90 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 0.46% annually (0.06% synthetic 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.