In the current interest rate environment, it is very difficult to achieve asset growth through compound interest. Long-term and regular investment in pension solutions and the associated earnings potential can help build up assets and close pension gaps. The 3rd Pillar is thus increasingly becoming a keystone in the pension system. Our experienced pension experts will keep your pension solution on course with a steady hand - even through turbulent times - thanks to meticulous analysis of the data and careful preparations. Get on board now and enjoy the benefits of potential price upswings.
The chart compares the performance of 3a assets for an annual 3a investment of CHF 3,000 into the Swisscanto BVG 3 Portfolio 45 RT compared to the ZKB savings 3 account. Higher return in the period 01/01/1995 to 31/12/2018: with an investment in the ZKB savings 3 account, you would have CHF 13,461, whereas with an investment in the Swisscanto BVG 3 Portfolio 45 RT you would have CHF 30,301 extra private plan assets.
*The RT class was launched on 1 July 2014.
All figures prior to this date are based on the values of the original share class. Past performance is not an indicator or guarantee of future success. The performance data have been calculated without taking the commissions and expenses charged at the time of the issue and redemption of units into account, and on the basis of re-investment of any distribution of dividends. Commissions, fees and other charges have a negative effect on performance.
You choose the right pension solution for you based on your risk/return profile. Your bank adviser will be pleased to discuss your options with you.
We have a range of products that offers something for every investor. You can choose from a wide range of actively managed and index-linked securities solutions. These solutions follow a diversified strategy and invest in the equities, bonds, real estate, commodities and precious metals asset classes.
The Swisscanto BVG 3 Oeko 45 RT is also an attractive solution available for investors focused on sustainability. In this product, we invest primarily in companies and bond issuers that adhere to the principles of environmental and social sustainability.
Pension savings with savings 3 securities - the advantages at a glance:
Once again, pension solutions from Swisscanto Invest have been chosen as the winner in independent comparisons.
More than 100 3a securities solutions were compared. The comparison lists the two providers with the highest and lowest net returns.
|Provider||Pension solutions||Equity allocation||Net income|
|Swisscanto Invest||Swisscanto BVG 3 Portfolio 45 RT||approx. 45%||CHF 16'705.-|
|Swiss Life||Swiss Life BVG Mix 45||max. 50%||CHF 14'233.-|
|Credit Suisse||CSA Mixta-BVG Basic||0%||CHF 7'616.-|
|Swiss Mobiliar||MobiFonds 3a||approx. 15%||CHF 7'208.-|
The information on this website is intended for distribution in Switzerland and is not intended for investors in other countries. The information is intended exclusively for advertising purposes and in no way constitutes investment advice or a recommendation. Individuals invest in Pillar 3a securities investments via a tax-free occupational pension benefit plan domiciled in Switzerland (Freizügigkeitsstiftung and Vorsorgestiftung Sparen 3 foundations). The abovementioned overview does not constitute an offer to subscribe to the investment products mentioned therein and does not replace investment advice. The sole binding basis for investments are the statutes, regulations, investment guidelines and any prospectuses of the Swisscanto Investment Foundation. These can be obtained free of charge from Swisscanto Investment Foundations, Bahnhofstrasse 9, 8010 Zurich. The sole binding basis for purchasing Swisscanto funds are the respective published documents (fund agreements, contract terms, prospectuses and/or key investor information and annual reports). These can be obtained free of charge from swisscanto.ch, or in paper form from Swisscanto Fund Management Company Ltd. ("Swisscanto"), Bahnhofstrasse 9, 8010 Zurich. The information contained on this website has been compiled with the greatest of care by Swisscanto and the responsible Asset Management of Zürcher Kantonalbank. The information and opinions originate from reliable sources. Despite following professional procedures, Swisscanto and Zürcher Kantonalbank cannot guarantee the correctness, completeness or accuracy of the information. Swisscanto and Zürcher Kantonalbank decline all liability for investments which are made on the basis of this website. The information on this website was not produced in compliance with statutory requirements for the guarantee of impartiality of financial analyses and is also not subject to the ban on trading following the publication of financial analyses. Every investment involves risks, especially with regard to fluctuations in value and return. Past performance is no indicator or guarantee of future success. Investments in foreign currencies are subject to exchange rate fluctuations. The information on this website must not be distributed and/or redistributed to any person (whether individual or entity) who may be a US person under Regulation S under the US Securities Act of 1933. By definition, a "US person" means any natural US individual or legal entity, any corporation, any firm, general partnership or other entity established under the law of the United States. The categories under Regulation S also apply. The information on this website does not constitute an offer to sell or a solicitation or invitation to subscribe to or to make an offer to buy any securities, nor does it provide a basis for any contract or obligation of any kind.