Die günstigsten Säule-3a-Lösungen 2026
Fonds bei der Bank oder Strategie in der App? Kosten sind der zuverlässigste Renditefaktor – hier alle Säule-3a-Wertschriftenlösungen der Schweiz in einem gemeinsamen Ranking nach effektiven Jahreskosten, kategorieübergreifend und direkt vergleichbar.
Das komplette Ranking
290 Angebote (203 Fonds, 87 Apps)| # | Angebot | Kosten p.a.* | 5J p.a. | Aktien |
|---|---|---|---|---|
| 1 | True Wealth Global 15 True Wealth 3a-App | 0.13% | +0.5% | 15% |
| 2 | True Wealth Global 90 True Wealth 3a-App | 0.13% | +7.9% | 90% |
| 3 | True Wealth Global 35 True Wealth 3a-App | 0.14% | +2.5% | 35% |
| 4 | True Wealth Global 40 True Wealth 3a-App | 0.14% | +3.7% | 40% |
| 5 | True Wealth Global 80 True Wealth 3a-App | 0.14% | +7.1% | 80% |
| 6 | True Wealth Global 60 True Wealth 3a-App | 0.15% | +5.2% | 60% |
| 7 | True Wealth Global 65 True Wealth 3a-App | 0.15% | +5.5% | 65% |
| 8 | True Wealth Global 15 SRI True Wealth 3a-App ESG | 0.15% | +0.4% | 15% |
| 9 | True Wealth Global 35 SRI True Wealth 3a-App ESG | 0.17% | +2.0% | 35% |
| 10 | True Wealth Global 40 SRI True Wealth 3a-App ESG | 0.17% | +2.2% | 40% |
| 11 | VIAC Global 20 VIAC 3a-App | 0.17% | +2.3% | 20% |
| 12 | True Wealth Global 60 SRI True Wealth 3a-App ESG | 0.19% | +3.2% | 60% |
| 13 | True Wealth Global 85 SRI True Wealth 3a-App ESG | 0.19% | +5.1% | 85% |
| 14 | BLKB iQ Fund (CH) iQ Responsible Equity World ex Switzerland Pension JP Basellandschaftliche Kantonalbank Fonds ESG | 0.20% | +9.0% | 100% |
| 15 | UBS AST BVG-25 Indexiert (hedged in CHF) I-A1 UBS Fonds | 0.26% | +1.3% | 25% |
| 16 | UBS AST BVG-40 Indexiert (hedged in CHF) I-A1 UBS Fonds | 0.26% | +2.3% | 40% |
| 17 | Target Investment Fund Geldmarkt CHF C Zurich Invest Fonds | 0.26% | +0.3% | 0% |
| 18 | VIAC Global 40 VIAC 3a-App | 0.28% | +3.7% | 40% |
| 19 | BLKB iQ Fund Responsible Equity Switzerland B Basellandschaftliche Kantonalbank Fonds ESG | 0.34% | +5.9% | 100% |
| 20 | Swisscanto BVG 3 Index 45 RT CHF Nidwaldner Kantonalbank Fonds | 0.35% | +2.8% | 45% |
| 21 | finpension Global 0 finpension 3a-App | 0.39% | -0.1% | 0% |
| 22 | finpension Global 20 finpension 3a-App | 0.39% | -0.7% | 20% |
| 23 | finpension Global 40 finpension 3a-App | 0.39% | +1.1% | 40% |
| 24 | finpension Global 60 finpension 3a-App | 0.39% | +2.8% | 60% |
| 25 | finpension Global 80 finpension 3a-App | 0.39% | +4.8% | 80% |
| 26 | finpension Global 100 finpension 3a-App | 0.39% | +6.2% | 99% |
| 27 | finpension Schweiz 0 finpension 3a-App | 0.39% | -0.1% | 0% |
| 28 | finpension Schweiz 20 finpension 3a-App | 0.39% | -0.7% | 20% |
| 29 | finpension Schweiz 40 finpension 3a-App | 0.39% | +0.9% | 40% |
| 30 | finpension Schweiz 60 finpension 3a-App | 0.39% | +2.5% | 60% |
| 31 | finpension Schweiz 80 finpension 3a-App | 0.39% | +4.0% | 80% |
| 32 | finpension Schweiz 100 finpension 3a-App | 0.39% | +5.1% | 99% |
| 33 | finpension Nachhaltig 0 finpension 3a-App ESG | 0.39% | -0.1% | 0% |
| 34 | finpension Nachhaltig 20 finpension 3a-App ESG | 0.39% | -0.8% | 20% |
| 35 | finpension Nachhaltig 40 finpension 3a-App ESG | 0.39% | +1.1% | 40% |
| 36 | finpension Nachhaltig 60 finpension 3a-App ESG | 0.39% | +2.7% | 60% |
| 37 | finpension Nachhaltig 80 finpension 3a-App ESG | 0.39% | +4.5% | 80% |
| 38 | finpension Nachhaltig 100 finpension 3a-App ESG | 0.39% | +5.9% | 99% |
| 39 | VIAC Global 60 VIAC 3a-App | 0.40% | +5.2% | 60% |
| 40 | VIAC Global 80 VIAC 3a-App | 0.40% | +6.5% | 80% |
| 41 | VIAC Schweiz 60 VIAC 3a-App | 0.40% | – | 60% |
| 42 | VIAC Schweiz 100 VIAC 3a-App | 0.40% | – | 97% |
| 43 | VIAC Global 100 VIAC 3a-App | 0.41% | +6.9% | 99% |
| 44 | Swisscanto (CH) Vorsorge Fonds 45 Passiv VT CHF Nidwaldner Kantonalbank Fonds | 0.42% | +2.8% | 45% |
| 45 | Swisscanto (CH) Vorsorge Fonds 15 Passiv VT CHF Zürcher Kantonalbank Fonds | 0.42% | – | 15% |
| 46 | Swisscanto (CH) IPF III Vorsorge Fonds 75 Passiv VT CHF Zürcher Kantonalbank Fonds | 0.42% | +5.3% | 75% |
| 47 | BLKB iQ Fund (CH) iQ Responsible Vorsorge Balanced J Basellandschaftliche Kantonalbank Fonds ESG | 0.42% | – | 45% |
| 48 | Swisscanto AST Avant BVG Sustainable Portfolio 15 QT CHF Frankly Fonds ESG | 0.43% | – | 15% |
| 49 | Swisscanto AST Avant BVG Sustainable Portfolio 75 QT CHF Zürcher Kantonalbank Fonds ESG | 0.43% | – | 76.72% |
| 50 | Swisscanto AST Avant BVG Sustainable Portfolio 95 QT CHF Zürcher Kantonalbank Fonds ESG | 0.43% | – | 95.47% |
| 51 | Swisscanto AST Avant BVG Sustainable Portfolio 25 QT CHF Zürcher Kantonalbank Fonds ESG | 0.43% | – | 28.31% |
| 52 | Swisscanto BVG 3 Responsible Portfolio 15 QT CHF Bank CIC (Schweiz) AG Fonds ESG | 0.43% | +1.4% | 15% |
| 53 | Frankly Light 15 Frankly 3a-App | 0.43% | – | 15% |
| 54 | Frankly Gentle 25 Frankly 3a-App | 0.43% | +1.8% | 25% |
| 55 | Frankly Moderate 45 Frankly 3a-App | 0.43% | +3.3% | 45% |
| 56 | Frankly Strong 75 Frankly 3a-App | 0.43% | +5.7% | 75% |
| 57 | Frankly Extreme 95 Frankly 3a-App | 0.43% | +6.8% | 95% |
| 58 | Frankly Gentle 25 Sustainable Frankly 3a-App ESG | 0.43% | +2.3% | 25% |
| 59 | Frankly Moderate 45 Sustainable Frankly 3a-App ESG | 0.43% | +3.9% | 45% |
| 60 | Frankly Strong 75 Sustainable Frankly 3a-App ESG | 0.43% | +6.1% | 75% |
| 61 | Pictet CH - LPP 25 - I dy CHF Pictet Fonds ESG | 0.44% | +0.3% | 25% |
| 62 | Swisscanto BVG 3 Index 45 VT CHF Zürcher Kantonalbank Fonds | 0.45% | +2.7% | 45% |
| 63 | Tellco Classic - Aktien Schweiz ESG V Tellco Bank Fonds ESG | 0.45% | +4.0% | 100% |
| 64 | VIAC Global Sustainable 60 VIAC 3a-App ESG | 0.45% | – | 60% |
| 65 | VIAC Global Sustainable 100 VIAC 3a-App ESG | 0.45% | – | 97% |
| 66 | Neon Defensiv 25 Neon 3a-App | 0.45% | – | 25% |
| 67 | Neon Ausgewogen 45 Neon 3a-App | 0.45% | – | 45% |
| 68 | Neon Dynamisch 65 Neon 3a-App | 0.45% | – | 65% |
| 69 | BLKB iQ Fund Responsible Equity World ex Switzerland B Basellandschaftliche Kantonalbank Fonds ESG | 0.46% | +8.7% | 100% |
| 70 | Neon Offensiv 100 Neon 3a-App | 0.49% | – | 99% |
| 71 | Swisscanto BVG 3 Responsible Portfolio 25 RT CHF Obwaldner Kantonalbank Fonds ESG | 0.50% | +1.7% | 27% |
| 72 | Swisscanto BVG 3 Responsible Portfolio 45 RT CHF Obwaldner Kantonalbank Fonds ESG | 0.50% | +3.2% | 47% |
| 73 | ZugerKB Fonds - Obligationen ESG (CHF) BV Zuger Kantonalbank Fonds ESG | 0.50% | – | 0% |
| 74 | Swisscanto BVG 3 Responsible Portfolio 15 RT CHF Zürcher Kantonalbank Fonds ESG | 0.50% | +0.9% | 18% |
| 75 | Swisscanto AST Avant BVG Responsible Portfolio 95 DT CHF Appenzell-Innerrhodischen Kantonalbank Fonds ESG | 0.50% | +6.6% | 95% |
| 76 | Helvetia Allegra ONE R1 Helvetia Fonds | 0.50% | – | 0% |
| 77 | Yuh Mild Yuh 3a-App ESG | 0.50% | – | 20% |
| 78 | Yuh Herzhaft Yuh 3a-App ESG | 0.50% | – | 40% |
| 79 | Yuh Würzig Yuh 3a-App ESG | 0.50% | – | 60% |
| 80 | Yuh Scharf Yuh 3a-App ESG | 0.50% | – | 80% |
| 81 | Yuh Feurig Yuh 3a-App ESG | 0.50% | – | 99% |
| 82 | Vontobel Fund (CH) - Pension Invest Balanced YV, CHF VONTOBEL ASSET MANAGEMENT AG Fonds | 0.51% | +1.6% | 48% |
| 83 | LUKB Expert-Vorsorge 25 -E- Luzerner Kantonalbank Fonds ESG | 0.52% | +2.0% | 26% |
| 84 | AWI BVG 35 allegro Anlagestiftung Winterthur für Personalvorsorge (AWI) Fonds | 0.52% | +1.8% | 35% |
| 85 | Neon Ambitioniert 80 Neon 3a-App | 0.52% | – | 80% |
| 86 | AWI BVG 25 andante Anlagestiftung Winterthur für Personalvorsorge (AWI) Fonds | 0.53% | +1.2% | 25% |
| 87 | AWI BVG 45 vivace Anlagestiftung Winterthur für Personalvorsorge (AWI) Fonds | 0.53% | +2.0% | 45% |
| 88 | SZKB Obligationenfonds Schweiz ESG V Schwyzer Kantonalbank Fonds ESG | 0.54% | – | 0% |
| 89 | Pictet CH - LPP 40 - I dy CHF Pictet Fonds ESG | 0.55% | +1.3% | 40% |
| 90 | Swisscanto BVG 3 Sustainable Portfolio 45 RT CHF Zürcher Kantonalbank Fonds ESG | 0.58% | +2.5% | 45% |
| 91 | Swisscanto BVG 3 Responsible Portfolio 75 RT CHF Zürcher Kantonalbank Fonds ESG | 0.58% | +5.4% | 75% |
| 92 | Swisscanto AST Avant BVG Sustainable Portfolio 75 DT CHF Appenzell-Innerrhodischen Kantonalbank Fonds ESG | 0.58% | – | 76.72% |
| 93 | Swisscanto AST Avant BVG Sustainable Portfolio 95 DT CHF Appenzell-Innerrhodischen Kantonalbank Fonds ESG | 0.58% | – | 95.47% |
| 94 | Swisscanto AST Avant BVG Sustainable Portfolio 25 DT CHF Schaffhauser Kantonalbank Fonds ESG | 0.58% | – | 28.31% |
| 95 | Swisscanto AST Avant BVG Sustainable Portfolio 15 DT CHF Thurgauer Kantonalbank Fonds ESG | 0.58% | – | 15% |
| 96 | LUKB Expert-Vorsorge 45 -E- Luzerner Kantonalbank Fonds ESG | 0.60% | +3.4% | 46% |
| 97 | Tellco Classic Strategie 10 V Tellco Bank Fonds | 0.60% | -0.5% | 10% |
| 98 | Tellco Classic Strategie 45 V Tellco Bank Fonds | 0.60% | +1.7% | 45% |
| 99 | Swissquote 3a Easy Ausgewogen Swissquote 3a-App ESG | 0.60% | – | 50% |
| 100 | Swissquote 3a Easy Dynamisch Swissquote 3a-App ESG | 0.60% | – | 75% |
| 101 | Swissquote 3a Easy Ambitioniert Swissquote 3a-App ESG | 0.60% | – | 98% |
| 102 | LUKB Expert-Vorsorge 25 fluks 3a 3a-App ESG | 0.60% | – | 25% |
| 103 | LUKB Expert-Vorsorge 45 fluks 3a 3a-App ESG | 0.60% | – | 45% |
| 104 | LUKB Expert-Vorsorge 75 fluks 3a 3a-App ESG | 0.60% | – | 75% |
| 105 | LUKB Expert-Vorsorge 100 fluks 3a 3a-App ESG | 0.60% | – | 100% |
| 106 | Vontobel Fund (CH) - Pension Invest Yield YV, CHF VONTOBEL ASSET MANAGEMENT AG Fonds | 0.62% | -0.1% | 29% |
| 107 | Swisscanto BVG 3 Responsible Life Cycle 2025 RT CHF Luzerner Kantonalbank Fonds ESG | 0.64% | +0.8% | 6% |
| 108 | Swisscanto (CH) Vorsorge Fonds 25 Passiv VT CHF Obwaldner Kantonalbank Fonds | 0.65% | +1.4% | 25% |
| 109 | Swisscanto (CH) IPF III Vorsorge Fonds 45 Passiv VT CHF Obwaldner Kantonalbank Fonds | 0.65% | +2.9% | 45% |
| 110 | Swisscanto (CH) IPF III Vorsorge Fonds 95 Passiv VT CHF Zürcher Kantonalbank Fonds | 0.65% | +6.4% | 95% |
| 111 | Tellco Classic Strategie 25 V Tellco Bank Fonds | 0.65% | +0.4% | 25% |
| 112 | Descartes Index Responsible 100 Descartes 3a-App ESG | 0.65% | +7.2% | 100% |
| 113 | PF Pension - Passive 25 Fund PostFinance Fonds | 0.66% | – | 25% |
| 114 | UBS AST BVG-25 Aktiv Plus I-A1 UBS Fonds | 0.67% | +1.2% | 28% |
| 115 | Pilla Selection Index ESG 95 Pilla 3a-App ESG | 0.67% | – | 95% |
| 116 | Raiffeisen Futura II - Systematic Invest Yield V Raiffeisen Fonds ESG | 0.68% | – | 26% |
| 117 | Raiffeisen Futura II - Systematic Invest Balanced V Raiffeisen Fonds ESG | 0.69% | – | 45% |
| 118 | PF Pension - Passive 50 Fund PostFinance Fonds | 0.70% | – | 50% |
| 119 | Swisscanto BVG 3 Responsible Portfolio Protection RT CHF Zuger Kantonalbank Fonds ESG | 0.70% | – | 43% |
| 120 | Swisscanto AST Avant BVG Sustainable Portfolio 45 DT CHF Zürcher Kantonalbank Fonds ESG | 0.70% | – | 45% |
| 121 | Tellco Classic Strategie 100 V Tellco Bank Fonds | 0.70% | +4.1% | 99% |
| 122 | Piguet Active Prévoyance 25 P Piguet Galland Fonds | 0.70% | – | 30% |
| 123 | Gioia Vorsichtig Gioia 3a 3a-App ESG | 0.70% | – | 25% |
| 124 | UBS AST BVG-40 Aktiv Plus I-A1 UBS Fonds | 0.71% | +2.0% | 43% |
| 125 | Pilla Selection Index ESG 20 Pilla 3a-App ESG | 0.71% | – | 20% |
| 126 | Pilla Selection Index ESG 35 Pilla 3a-App ESG | 0.72% | – | 35% |
| 127 | Pilla Selection Index ESG 55 Pilla 3a-App ESG | 0.72% | – | 55% |
| 128 | Pilla Selection Index ESG 75 Pilla 3a-App ESG | 0.73% | – | 75% |
| 129 | PF Pension - Passive 75 Fund PostFinance Fonds | 0.74% | – | 75% |
| 130 | Swisscanto BVG 3 Responsible Portfolio 25 VT CHF Zürcher Kantonalbank Fonds ESG | 0.74% | +1.6% | 25% |
| 131 | Alpian Swiss Balanced Alpian 3a-App | 0.74% | – | 50% |
| 132 | Swisscanto BVG 3 Responsible Portfolio Protection VT CHF Zürcher Kantonalbank Fonds ESG | 0.75% | – | 41% |
| 133 | Raiffeisen Futura II - Systematic Invest Growth V Raiffeisen Fonds ESG | 0.75% | – | 65% |
| 134 | Piguet Active Prévoyance 40 P Piguet Galland Fonds | 0.75% | – | 46% |
| 135 | Alpian Swiss Moderate Alpian 3a-App | 0.75% | – | 25% |
| 136 | Alpian Swiss Dynamic Alpian 3a-App | 0.75% | – | 75% |
| 137 | Alpian Swiss Very Dynamic Alpian 3a-App | 0.75% | – | 98% |
| 138 | Alpian Global Moderate Alpian 3a-App | 0.75% | – | 25% |
| 139 | Alpian Global Balanced Alpian 3a-App | 0.76% | – | 50% |
| 140 | Alpian Global Dynamic Alpian 3a-App | 0.76% | – | 75% |
| 141 | BCV Pension Sustainable 45 Banque Cantonale Vaudoise Fonds ESG | 0.77% | +2.4% | 45% |
| 142 | Alpian Global Very Dynamic Alpian 3a-App | 0.77% | – | 98% |
| 143 | Alpian Global + Crypto Very Dynamic Alpian 3a-App | 0.77% | – | 93% |
| 144 | GAM Institutional BVG/LPP 40 Fund A1 CHF Acc GAM Investment Management (Switzerland) AG Fonds | 0.78% | +2.8% | 40% |
| 145 | Gioia Gelassen Gioia 3a 3a-App ESG | 0.78% | – | 45% |
| 146 | Baloise Anlagestiftung Aktien Global 0-100 Baloise Fonds | 0.79% | +6.6% | 100% |
| 147 | Synchrony LPP 25 J BCGE Asset Management Fonds | 0.79% | +1.0% | 26% |
| 148 | Synchrony LPP 40 J BCGE Asset Management Fonds | 0.79% | +1.5% | 42% |
| 149 | Swisscanto (CH) Vorsorge Fonds 95 Passiv VT CHF Zuger Kantonalbank Fonds | 0.80% | +6.3% | 95% |
| 150 | LUKB Expert-Vorsorge 75 -E- Luzerner Kantonalbank Fonds ESG | 0.80% | +5.6% | 75% |
| 151 | Synchrony LPP 80 J BCGE Asset Management Fonds | 0.80% | +2.5% | 80% |
| 152 | Valiant Helvétique Balanced V Valiant Fonds ESG | 0.80% | +1.9% | 25% |
| 153 | Valiant Helvétique Dynamic V Valiant Fonds ESG | 0.80% | +2.9% | 45% |
| 154 | VF (CH) - Valiant Helvétique Dynamic VA Valiant Fonds ESG | 0.80% | +3.7% | 45% |
| 155 | EDMOND DE ROTHSCHILD CH - LPP 45 L-CHF Edmond de Rothschild (Suisse) S.A. Fonds | 0.80% | – | 45% |
| 156 | Helvetia Allegra Aktien Global Fokus Schweiz R1 Helvetia Fonds | 0.81% | – | 98% |
| 157 | Swiss Life BVG-Mix 25 Swiss Life Fonds | 0.83% | +1.6% | 25% |
| 158 | Swiss Life BVG-Mix 35 Swiss Life Fonds | 0.83% | +2.3% | 35% |
| 159 | Swiss Life BVG-Mix 45 Swiss Life Fonds | 0.83% | +2.8% | 45% |
| 160 | Helvetia Allegra 30 R1 Helvetia Fonds | 0.83% | – | 30% |
| 161 | Swiss Life BVG-Mix 15 Swiss Life Fonds | 0.84% | +1.1% | 15% |
| 162 | Swisscanto BVG 3 Responsible Portfolio 45 VT CHF Zürcher Kantonalbank Fonds ESG | 0.84% | +3.1% | 45% |
| 163 | PF Pension - Passive 100 Fund PostFinance Fonds | 0.85% | – | 100% |
| 164 | Swiss Life BVG-Mix 75 Swiss Life Fonds | 0.85% | +4.8% | 75% |
| 165 | Gioia Mutig Gioia 3a 3a-App ESG | 0.85% | – | 98% |
| 166 | BVG-Mix Index 25 Swiss Life Fonds | 0.87% | – | 25% |
| 167 | BVG-Mix Index 35 Swiss Life Fonds | 0.87% | – | 35% |
| 168 | BVG-Mix Index 45 Swiss Life Fonds | 0.87% | – | 45% |
| 169 | BVG-Mix Index 75 Swiss Life Fonds | 0.87% | – | 75% |
| 170 | SGKB (CH) Fund - Strategie Einkommen V St. Galler Kantonalbank Fonds | 0.87% | +1.9% | 27.5% |
| 171 | Gioia Ambitioniert Gioia 3a 3a-App ESG | 0.87% | – | 75% |
| 172 | BVG-Mix Index 15 Swiss Life Fonds | 0.88% | – | 15% |
| 173 | Migros Bank (CH) Fonds 65 V Migros Bank Fonds | 0.90% | +4.0% | 65% |
| 174 | Migros Bank (CH) Fonds 85 V Migros Bank Fonds | 0.90% | +5.1% | 85% |
| 175 | LUKB Expert-Vorsorge 100 -E- Luzerner Kantonalbank Fonds ESG | 0.90% | – | 99% |
| 176 | BVG-Mix Dynamic Allocation 0-80 R Baloise Fonds | 0.90% | +4.1% | 61% |
| 177 | Fronalpstock Fonds - VBVV-BVG (CHF) - B Sparkasse Schwyz Fonds | 0.90% | +1.4% | 24% |
| 178 | Migros Bank (CH) Fonds 45 V Migros Bank Fonds | 0.91% | +2.9% | 45% |
| 179 | OLZ - Equity World Optimized ESG Sparkasse Schwyz Fonds ESG | 0.91% | +4.7% | 100% |
| 180 | MobiFonds Select 30 3A Mobiliar Fonds | 0.91% | +2.1% | 30% |
| 181 | EDMOND DE ROTHSCHILD CH - LPP 30 L-CHF Edmond de Rothschild (Suisse) S.A. Fonds | 0.91% | – | 30% |
| 182 | Migros Bank (CH) Fonds 25 V Migros Bank Fonds | 0.92% | +1.3% | 25% |
| 183 | Migros Bank (CH) Fonds 0 V Migros Bank Fonds | 0.92% | -1.1% | 1% |
| 184 | SZKB Strategiefonds Zinsertrag Plus V Schwyzer Kantonalbank Fonds | 0.93% | +1.1% | 14% |
| 185 | BVG-Mix Dynamic Allocation 0-40 R Baloise Fonds | 0.95% | +2.4% | 20% |
| 186 | Helvetia Allegra 50 R1 Helvetia Fonds | 0.95% | – | 50% |
| 187 | MIRABAUD (CH) - LPP Preservation L cap. CHF Mirabaud & Cie SA Fonds | 0.95% | – | 0% |
| 188 | BVG-Mix 15 Plus Baloise Fonds | 0.96% | +1.1% | 15% |
| 189 | Swisscanto BVG 3 Responsible Life Cycle 2025 VT CHF Zürcher Kantonalbank Fonds ESG | 0.97% | +0.5% | 2% |
| 190 | Fronalpstock Fonds - Wachstum (CHF) - B Sparkasse Schwyz Fonds | 0.97% | – | 69.66% |
| 191 | SGKB (CH) Fund - Strategie Ausgewogen V St. Galler Kantonalbank Fonds | 0.97% | +3.1% | 52.6% |
| 192 | MobiFonds Select 60 3A Mobiliar Fonds | 0.97% | +3.8% | 45% |
| 193 | BVG-Mix 25 Plus Baloise Fonds | 0.98% | +1.8% | 25% |
| 194 | BVG-Mix 40 Plus Baloise Fonds | 1.00% | +2.7% | 40% |
| 195 | Target Investment Fund Obligationen CHF C Zurich Invest Fonds | 1.01% | -1.8% | 0% |
| 196 | BCV Pension 10 (CHF) AP Banque Cantonale Vaudoise Fonds | 1.01% | – | 10% |
| 197 | Swisscanto AST Avant BVG Responsible Portfolio 75 DT CHF Zürcher Kantonalbank Fonds ESG | 1.02% | +5.4% | 75% |
| 198 | Synchrony LPP 40 ESG J BCGE Asset Management Fonds ESG | 1.03% | +0.5% | 42% |
| 199 | Helvetia Allegra 85 R1 Helvetia Fonds | 1.03% | – | 85% |
| 200 | EDMOND DE ROTHSCHILD CH - LPP 75 L-CHF Edmond de Rothschild (Suisse) S.A. Fonds | 1.03% | – | 75% |
| 201 | Swisscanto (CH) Vorsorge Fonds 25 Passiv FA CHF Zürcher Kantonalbank Fonds | 1.04% | +0.8% | 25% |
| 202 | Swisscanto (CH) Vorsorge Fonds 45 Passiv FA CHF Zürcher Kantonalbank Fonds | 1.04% | +2.2% | 45% |
| 203 | SZKB Strategiefonds Einkommen V Schwyzer Kantonalbank Fonds | 1.04% | +1.8% | 27% |
| 204 | Raiffeisen Futura - Pension Invest Yield V Raiffeisen Fonds ESG | 1.05% | -1.2% | 25% |
| 205 | SZKB Strategiefonds ESG Einkommen V Schwyzer Kantonalbank Fonds ESG | 1.06% | – | 26.62% |
| 206 | Migros Bank (CH) Fonds Sustainable 45 V Migros Bank Fonds ESG | 1.07% | +1.9% | 45% |
| 207 | Migros Bank (CH) Fonds Sustainable 65 V Migros Bank Fonds ESG | 1.07% | +3.0% | 65% |
| 208 | Migros Bank (CH) Fonds Sustainable 85 V Migros Bank Fonds ESG | 1.07% | +3.8% | 85% |
| 209 | Migros Bank (CH) Fonds Sustainable 0 V Migros Bank Fonds ESG | 1.07% | -1.4% | 1% |
| 210 | SGKB (CH) Fund - Strategie Wachstum Vorsorge Wachstum V St.Galler Kantonalbank Fonds | 1.07% | +4.1% | 79% |
| 211 | Mobilière Community Sustainable Goals Fund 3A Mobiliar Fonds ESG | 1.07% | – | 81% |
| 212 | Migros Bank (CH) Fonds Sustainable 25 V Migros Bank Fonds ESG | 1.09% | +0.6% | 25% |
| 213 | PF Pension - ESG 25 Fund PostFinance Fonds ESG | 1.10% | +1.4% | 25% |
| 214 | Raiffeisen Futura - Pension Invest Balanced V Raiffeisen Fonds ESG | 1.10% | +0.0% | 44% |
| 215 | BCV Pension 25 AP Banque Cantonale Vaudoise Fonds | 1.11% | +1.0% | 25% |
| 216 | AKB Vorsorge 45 CHF ESG Fokus VT Aargauische Kantonalbank Fonds ESG | 1.13% | +2.5% | 45% |
| 217 | SZKB Strategiefonds Ausgewogen V Schwyzer Kantonalbank Fonds | 1.15% | +3.3% | 48% |
| 218 | MobiFonds Select 90 3A Mobiliar Fonds | 1.15% | +5.5% | 84% |
| 219 | Glarner Kantonalbank - ESG Kapitalgewinn Glarner Kantonalbank Fonds ESG | 1.16% | – | 98% |
| 220 | SGKB (CH) Fund II - Vorsorge Aktien Schweiz St. Galler Kantonalbank Fonds | 1.17% | – | 100% |
| 221 | ZugerKB Fonds - Strategie ESG Konservativ (CHF) BV Zuger Kantonalbank Fonds ESG | 1.18% | -0.4% | 33.4% |
| 222 | SZKB Strategiefonds ESG Ausgewogen V Schwyzer Kantonalbank Fonds ESG | 1.18% | – | 47.81% |
| 223 | SGKB (CH) Fund II - Vorsorge Aktien Fokus Ostschweiz St. Galler Kantonalbank Fonds | 1.19% | – | 100% |
| 224 | Glarner Kantonalbank - ESG Einkommen, Glarner Kantonalbank Fonds ESG | 1.19% | – | 31% |
| 225 | Glarner Kantonalbank - ESG Wachstum Glarner Kantonalbank Fonds ESG | 1.19% | – | 69% |
| 226 | PF Pension - ESG 50 Fund PostFinance Fonds ESG | 1.20% | +3.3% | 50% |
| 227 | Raiffeisen Futura - Pension Invest Growth V Raiffeisen Fonds ESG | 1.20% | +1.1% | 65% |
| 228 | GKB (CH) Vorsorgefonds 25 ESG A Graubündner Kantonalbank Fonds ESG | 1.20% | +0.7% | 25% |
| 229 | Glarner Kantonalbank - ESG Ausgewogen Glarner Kantonalbank Fonds ESG | 1.20% | – | 51% |
| 230 | BEKB Strategiefonds Nachhaltig 20 Vorsorge B Berner Kantonalbank Fonds ESG | 1.20% | +0.8% | 18% |
| 231 | Quantex Funds - Spectravest (CHF) 3A Quantex AG Fonds | 1.20% | +5.6% | 96% |
| 232 | Zak Einkommen Zak 3a-App ESG | 1.21% | +0.6% | 25% |
| 233 | TKB Vermögensverwaltung - Konservativ (CHF) A Thurgauer Kantonalbank Fonds ESG | 1.22% | +1.2% | 25% |
| 234 | BCF/FKB (CH) Active Yield A Freiburger Kantonalbank Fonds | 1.22% | +1.5% | 31% |
| 235 | BCV Pension 45 AP Banque Cantonale Vaudoise Fonds | 1.22% | +2.2% | 45% |
| 236 | BCV Pension 40 A Banque Cantonale Vaudoise Fonds | 1.22% | +2.2% | 40% |
| 237 | Zak Ausgewogen Zak 3a-App ESG | 1.22% | +2.1% | 50% |
| 238 | BCF/FKB (CH) Active Dynamic A Freiburger Kantonalbank Fonds | 1.24% | – | 73.9% |
| 239 | Raiffeisen Futura Pension Invest Equity V Raiffeisen Fonds ESG | 1.25% | +2.8% | 95% |
| 240 | Arete Ethik Global Balanced (CHF) A Thurgauer Kantonalbank Fonds ESG | 1.25% | – | 45% |
| 241 | BCF/FKB (CH) Active Balanced A Freiburger Kantonalbank Fonds | 1.25% | +2.2% | 48% |
| 242 | Anlagelösung Bank Cler Ausgewogen (CHF) V Bank Cler Fonds | 1.25% | +2.2% | 50% |
| 243 | Anlagelösung Bank Cler Wachstum (CHF) V Bank Cler Fonds | 1.25% | +4.0% | 75% |
| 244 | Zak Wachstum Zak 3a-App ESG | 1.25% | +3.6% | 75% |
| 245 | Zak Aktien Zak 3a-App ESG | 1.25% | – | 95% |
| 246 | Anlagelösung Bank Cler Einkommen (CHF) V Bank Cler Fonds | 1.26% | +0.8% | 30% |
| 247 | BLKB Next Generation Fund Vorsorge Yield Vt Basellandschaftliche Kantonalbank Fonds ESG | 1.26% | +1.0% | 24% |
| 248 | ZugerKB Fonds - Strategie ESG Ausgewogen (CHF) BV Zuger Kantonalbank Fonds ESG | 1.27% | +0.9% | 48.9% |
| 249 | GKB (CH) Vorsorgefonds 45 ESG A Graubündner Kantonalbank Fonds ESG | 1.28% | +2.0% | 45% |
| 250 | ZugerKB Fonds - Aktien ESG Schweiz (CHF) BV Zuger Kantonalbank Fonds ESG | 1.29% | – | 100% |
| 251 | AKB Vorsorge 15 CHF ESG Fokus A Aargauische Kantonalbank Fonds ESG | 1.29% | +0.4% | 15% |
| 252 | AKB Vorsorge 15 CHF ESG Fokus VT Aargauische Kantonalbank Fonds ESG | 1.29% | +0.4% | 15% |
| 253 | PF Pension - ESG 75 Fund PostFinance Fonds ESG | 1.30% | +5.9% | 75% |
| 254 | PF Pension - ESG 100 Fund PostFinance Fonds ESG | 1.30% | +7.7% | 100% |
| 255 | TKB Vermögensverwaltung - Ausgewogen (CHF) A Thurgauer Kantonalbank Fonds ESG | 1.30% | +2.6% | 50% |
| 256 | BEKB Strategiefonds Nachhaltig 40 Vorsorge B Berner Kantonalbank Fonds ESG | 1.30% | +2.6% | 40% |
| 257 | BEKB Strategiefonds Nachhaltig Schweiz 40 Vorsorge B Berner Kantonalbank Fonds ESG | 1.30% | +2.6% | 40% |
| 258 | Target Investment Fund 45 CHF C Zurich Invest Fonds | 1.31% | +1.6% | 45% |
| 259 | Target Investment Fund 25 CHF C Zurich Invest Fonds | 1.32% | +0.3% | 25% |
| 260 | Target Investment Fund 35 CHF C Zurich Invest Fonds | 1.33% | +1.1% | 35% |
| 261 | BLKB Next Generation Fund Vorsorge Balanced A Basellandschaftliche Kantonalbank Fonds ESG | 1.33% | +1.7% | 43% |
| 262 | BCV Pension 70 AP Banque Cantonale Vaudoise Fonds | 1.33% | +3.8% | 70% |
| 263 | SZKB Strategiefonds ESG Wachstum V Schwyzer Kantonalbank Fonds ESG | 1.34% | – | 68.41% |
| 264 | Target Investment Fund 100 CHF C Zurich Invest Fonds | 1.35% | +5.5% | 100% |
| 265 | Arete Ethik Global Equity (CHF) A Thurgauer Kantonalbank Fonds ESG | 1.35% | – | 97% |
| 266 | GKB (CH) Strategiefonds Kapitalgewinn ESG A Graubündner Kantonalbank Fonds ESG | 1.35% | +4.0% | 98% |
| 267 | BCN (CH) Fonds Durable Revenu AA Banque Cantonale Neuchâteloise Fonds ESG | 1.35% | +1.9% | 29% |
| 268 | BCN (CH) Fonds Durable Équilibré AA Banque Cantonale Neuchâteloise Fonds ESG | 1.35% | +3.2% | 49% |
| 269 | AKB Vorsorge 30 CHF ESG Fokus A Aargauische Kantonalbank Fonds ESG | 1.36% | +1.4% | 30% |
| 270 | AKB Vorsorge 30 CHF ESG Fokus VT Aargauische Kantonalbank Fonds ESG | 1.36% | +1.4% | 30% |
| 271 | UBS Vitainvest Swiss 25 Sustainable U UBS Fonds ESG | 1.37% | +0.9% | 25% |
| 272 | GKB (CH) Strategiefonds Wachstum ESG A Graubündner Kantonalbank Fonds ESG | 1.37% | – | 75% |
| 273 | Swiss Life Aktien Global ex Schweiz ESG Indexiert Swiss Life Fonds ESG | 1.38% | – | 100% |
| 274 | ZugerKB Fonds - Strategie ESG Dynamisch (CHF) BV Zuger Kantonalbank Fonds ESG | 1.38% | +2.0% | 61% |
| 275 | TKB Vermögensverwaltung - Wachstum (CHF) A Thurgauer Kantonalbank Fonds ESG | 1.39% | +3.5% | 73% |
| 276 | BCVs / WKB (CH) flex Pension 35 A Walliser Kantonalbank Fonds ESG | 1.39% | – | 35% |
| 277 | BEKB Strategiefonds Nachhaltig 60 Vorsorge B Berner Kantonalbank Fonds ESG | 1.40% | +4.0% | 60% |
| 278 | BCV Pension 100 A Banque Cantonale Vaudoise Fonds | 1.40% | – | 100% |
| 279 | MIRABAUD (CH) - LPP 25+ L cap. CHF Mirabaud & Cie SA Fonds | 1.40% | – | 25% |
| 280 | UBS Vitainvest World 25 Sustainable U UBS Fonds ESG | 1.43% | -0.5% | 25% |
| 281 | BCV Pension Sustainable 25 Banque Cantonale Vaudoise Fonds ESG | 1.43% | +3.7% | 25% |
| 282 | BCVs / WKB (CH) flex Pension 65 AP (thesaurierend) Walliser Kantonalbank Fonds | 1.50% | – | 65% |
| 283 | UBS Vitainvest Swiss 50 Sustainable U UBS Fonds ESG | 1.52% | +2.3% | 50% |
| 284 | BEKB Strategiefonds Nachhaltig 90 (Vorsorge B) Berner Kantonalbank Fonds ESG | 1.55% | +5.9% | 90% |
| 285 | UBS Vitainvest World 50 Sustainable U UBS Fonds ESG | 1.62% | +1.7% | 50% |
| 286 | UBS Vitainvest Swiss 75 Sustainable U UBS Fonds ESG | 1.62% | +3.8% | 79% |
| 287 | UBS Vitainvest World 100 Sustainable U UBS Fonds ESG | 1.62% | +5.5% | 95% |
| 288 | AKB Wachstum CHF ESG Fokus VT Aargauische Kantonalbank Fonds ESG | 1.63% | – | 64% |
| 289 | AKB Aktien CHF ESG Fokus VT Aargauische Kantonalbank Fonds ESG | 1.68% | – | 83% |
| 290 | UBS Vitainvest World 75 Sustainable U UBS Fonds ESG | 1.71% | +4.1% | 79% |
* Effektive Jahreskosten: Bei Fonds All-in-/Pauschalgebühr (inkl. TER) bzw. TER plus Depotgebühr beim günstigsten Anbieter; bei App-Strategien Verwaltungsgebühr plus gewichtete Produktkosten. Einmalige Gebühren nicht enthalten.
Methodik
Verglichen werden alle Säule-3a-Wertschriftenlösungen: klassische Vorsorgefonds (effektive Jahreskosten beim günstigsten Anbieter, d.h. All-in-/Pauschalgebühr inkl. TER bzw. TER plus Depotgebühr) und App-Strategien (Verwaltungsgebühr plus gewichtete Produktkosten). Bildet eine App-Strategie 1:1 einen Fonds ab, erscheint nur die Strategie. Einmalige Ausgabe- oder Transaktionsgebühren sind nicht enthalten. Zinskonten sind nicht Teil des Rankings, da sie keine Kosten, sondern einen Zins haben.
Kein Wertschwankungsrisiko gewünscht?
Bei kurzem Anlagehorizont (unter ~5 Jahren) ist ein 3a-Zinskonto die sichere Alternative – aktuell bis 0.65% Zins.
Häufige Fragen
Welche Säule-3a-Lösung ist aktuell die günstigste?
True Wealth Global 15 von True Wealth (3a-App) ist mit 0.13% Jahreskosten aktuell die günstigste Lösung in diesem Ranking, gefolgt von True Wealth Global 90 mit 0.13%.
Was ist der Unterschied zwischen Vorsorgefonds und 3a-Apps?
Vorsorgefonds sind klassische Bankprodukte: Sie eröffnen ein 3a-Wertschriftendepot bei einer Bank und kaufen dort einen Fonds. 3a-Apps wie VIAC, finpension oder frankly verpacken die Anlage in eine App mit eigener Gebührenstruktur (meist All-in-Fee) – dahinter stehen ebenfalls Fonds oder ETFs. Für den Vergleich zählen bei beiden dieselben Kennzahlen: effektive Jahreskosten, Aktienquote und Rendite.
Warum sind 3a-Zinskonten nicht im Ranking?
Zinskonten haben keine Kosten und keine Wertschwankungen, sondern einen fixen Zins – sie lassen sich deshalb nicht in dasselbe Ranking einordnen. Das beste 3a-Konto bietet aktuell 0.65% Zins. Alle Konten finden Sie im separaten Zinsvergleich unter vorsorgefonds.ch/vorsorgekonten.
Weitere Säule-3a-Rankings
Alle Angaben ohne Gewähr. Dies ist keine Anlageberatung. Historische Performance ist keine Garantie für zukünftige Ergebnisse.