With frankly, it's easy to find the right pension product in just a few steps. Whether 3a cash with no risk at all or high-quality Swisscanto investment products with various risk classifications and attractive potential returns, it’s in your hands.
The offer is aimed at persons resident in Switzerland.
> Minimise the risk of saving for retirement with pillar 3a cash
> Why should I invest my pillar 3a in securities?
You play it safe and receive a privileged interest rate. Your assets will grow steadily.
Safety is a high priority to you. You want to avoid risks and losses. You prefer steady asset growth with only very slight fluctuations.
You prefer safety and take only manageable risks. You are willing to accept small fluctuations in assets.
You tolerate risk, but do not take any major risks. You accept moderate fluctuations in your assets.
You are more open to risk and are willing to take increased risks. You are willing to accept higher fluctuations in assets.
You are very open to risk and don't let losses bother you. You see risks as opportunities. You accept considerable fluctuations in assets.
The account offers the highest level of safety. Your assets will grow steadily thanks to preferential interest rates.
The objective of this investment is to preserve capital over the short, medium and long term. The pension assets are held exclusively in account form and earn interest at the current rate of 0.80%.
Active investment strategies are designed to "beat the market" – that is, to achieve better investment success (performance) than the market average. This is done through the targeted selection of particularly promising securities and buying or selling at the best time.
The investment objective of this investment is to maintain capital and achieve regular returns over the long term. IThe investment group primarily invests in bonds. Equities and other investments may also be included in the mix for the purpose of optimisation. This investment product is available exclusively for frankly customers. It is based on the Swisscanto BVG 3 Responsible Portfolio 15 RT CHF.
This active Swisscanto investment product is sustainably oriented.
Active investment strategies are designed to "beat the market" – that is, to achieve better investment success (performance) than the market average. This is done through the targeted selection of particularly promising securities and buying or selling at the best time. At frankly, active Sustainable products are formed according to strict selection and exclusion criteria. Giving consideration to various sustainability aspects is intended to have a positive effect on returns.
The investment objective of this investment is to achieve moderate capital gains and regular returns over the long term. Investment group invests in bonds, equities and other investments worldwide. This investment product is available exclusively for frankly customers. It is based on the Swisscanto AST Avant BVG Sustainable Portfolio 25 DT CHF.
This active Swisscanto investment product is sustainably oriented.
Active investment strategies are designed to "beat the market" – that is, to achieve better investment success (performance) than the market average. This is done through the targeted selection of particularly promising securities and buying or selling at the best time. At frankly, active Responsible investment products are managed sustainably in accordance with the Responsible standard. They also aim to outperform a given index.
The investment objective of this investment is to achieve moderate capital gains and regular returns over the long term. Investment group invests in bonds, equities and other investments worldwide. This investment product is available exclusively for frankly customers. It is based on the Swisscanto BVG 3 Responsible Portfolio 25 RT CHF.
This active Swisscanto investment product is sustainably oriented.
An index-linked investment strategy is an investment strategy that limits itself to replicating the performance of a market one-to-one as far as possible. It does not seek to outperform the market average, but aims not to underperform it either.
The investment objective of this fund is to achieve moderate capital gains and regular returns over the long term. It invests in bonds, equities and other investments worldwide. This investment product is available exclusively for frankly customers. It is based on the Swisscanto (CH) Vorsorge Fonds 25 Passiv VT.
Active investment strategies are designed to "beat the market" – that is, to achieve better investment success (performance) than the market average. This is done through the targeted selection of particularly promising securities and buying or selling at the best time. At frankly, active Sustainable products are formed according to strict selection and exclusion criteria. Giving consideration to various sustainability aspects is intended to have a positive effect on returns.
The investment objective of this investment group is to achieve capital gains and returns over the long term. The investment group invests in bonds and equities worldwide. This investment product is available exclusively for frankly customers. It is based Swisscanto AST Avant BVG Sustainable Portfolio 45 DT CHF.
This active Swisscanto investment product is sustainably oriented.
Active investment strategies are designed to "beat the market" – that is, to achieve better investment success (performance) than the market average. This is done through the targeted selection of particularly promising securities and buying or selling at the best time. At frankly, active Responsible investment products are managed sustainably in accordance with the Responsible standard. They also aim to outperform a given index.
The investment objective of this investment group is to achieve capital gains and returns over the long term. The investment group invests in bonds, equities and other investments worldwide. This investment product is available exclusively for frankly customers. It is based on the Swisscanto BVG 3 Responsible Portfolio 45 RT CHF.
This active Swisscanto investment product is sustainably oriented.
An index-linked investment strategy is an investment strategy that limits itself to replicating the performance of a market one-to-one as far as possible. It does not seek to outperform the market average, but aims not to underperform it either.
The investment objective of this fund is to achieve capital gains and returns over the long term. It invests in bonds, equities and other investments worldwide. This investment product is available exclusively for frankly customers. It is based on the Swisscanto (CH) Vorsorge Fonds 45 Passiv VT CHF.
Active investment strategies are designed to "beat the market" – that is, to achieve better investment success (performance) than the market average. This is done through the targeted selection of particularly promising securities and buying or selling at the best time. At frankly, active Sustainable products are formed according to strict selection and exclusion criteria. Giving consideration to various sustainability aspects is intended to have a positive effect on returns.
The investment objective of this investment group is to achieve capital growth and additional returns over the long term. The investment group invests in bonds and equities worldwide. This investment product is available exclusively for frankly customers. It is based Swisscanto AST Avant BVG Sustainable Portfolio 75 DT CHF.
This active Swisscanto investment product is sustainably oriented.
Active investment strategies are designed to "beat the market" – that is, to achieve better investment success (performance) than the market average. This is done through the targeted selection of particularly promising securities and buying or selling at the best time. At frankly, active Responsible investment products are managed sustainably in accordance with the Responsible standard. They also aim to outperform a given index.
The investment objective of this investment group is to achieve capital growth and additional returns over the long term. The investment group invests in bonds, equities and other investments worldwide. This investment product is available exclusively for frankly customers. It is based on the Swisscanto BVG 3 Responsible Portfolio 75 RT CHF.
This active Swisscanto investment product is sustainably oriented.
An index-linked investment strategy is an investment strategy that limits itself to replicating the performance of a market one-to-one as far as possible. It does not seek to outperform the market average, but aims not to underperform it either.
The investment objective of this fund is to achieve capital growth and additional returns over the long term. It invests in bonds, equities and other investments worldwide. This investment product is available exclusively for frankly customers. It is based on the Swisscanto (CH) Vorsorge Fonds 75 Passiv VT CHF.
Active investment strategies are designed to "beat the market" – that is, to achieve better investment success (performance) than the market average. This is done through the targeted selection of particularly promising securities and buying or selling at the best time. At frankly, active Sustainable products are formed according to strict selection and exclusion criteria. Giving consideration to various sustainability aspects is intended to have a positive effect on returns.
The objective of this investment group is to achieve high capital gains over the long term. The investment group primarily invests in equity and bonds. This investment product is available exclusively for frankly customers. It is based Swisscanto AST Avant BVG Sustainable Portfolio 95 DT CHF.
This active Swisscanto investment product is sustainably oriented.
Active investment strategies are designed to "beat the market" – that is, to achieve better investment success (performance) than the market average. This is done through the targeted selection of particularly promising securities and buying or selling at the best time. At frankly, active Responsible investment products are managed sustainably in accordance with the Responsible standard. They also aim to outperform a given index.
The objective of this investment group is to achieve high capital gains over the long term. The investment group primarily invests in equity. Bonds and other investments may also be included in the mix for the purpose of optimisation. This product is available exclusively to frankly clients, and is based on the Swisscanto AST Avant BVG Responsible Portfolio 95 DT CHF (launched in November 2020).
This active Swisscanto investment product is sustainably oriented.
An index-linked investment strategy is an investment strategy that limits itself to replicating the performance of a market one-to-one as far as possible. It does not seek to outperform the market average, but aims not to underperform it either.
The investment objective of this fund is to achieve high capital gains over the long term. Investments are primarily made in equities. Other investments may also be included in the mix for the purpose of optimisation. This investment product is available exclusively for frankly customers. It is based on the Swisscanto (CH) Vorsorge Fonds 95 Passiv VT CHF.
frankly backs this strategy too. All active Swisscanto investment products in frankly follow a responsible approach or strictly sustainable approach.
With our Sustainable funds, you can focus on companies and countries that contribute to achieving one or more of the UN's 17 Sustainable Development Goals (UN SDGs).
Investing in SDG securities
We strive to generate returns through providing a benefit to society by investing specifically in SDG Leaders, i.e. companies with a sustainable business model that make a significant contribution to fulfilling one of the 17 UN Sustainable Development Goals (UN SDGs). For the purpose of diversification, in addition to the SDG leaders it is also possible to invest in companies or countries that perform above average with regard to our ESG criteria.
Targeted exclusion
We apply exclusion criteria for companies with controversial and questionable business practices. Our Sustainable investment products apply even stricter exclusion criteria than the Responsible investment products.
Reduce CO2 intensity
The Sustainable investment products take into account the ambitious 1.5°C climate target, which has the aim of reducing CO2 intensity by at least 7.5% per year.
ESG integration
ESG criteria (E: environment; S: social, G: governance) are an integral part of our active investment process for traditional investments.
Take responsibility
According to the measures of our investment stewardship process, we engage in dialogue with companies and exercise our voting rights.
Our actively managed Responsible investment products in traditional asset classes are based on the Paris Climate Agreement as standard, and make a sustainable difference in many other areas.
Targeted exclusion
We apply exclusion criteria for companies with controversial and questionable business practices.
Reduce CO2 intensity
Based on the Paris Climate Agreement, our investments are geared towards the 2°C target and a reduction in CO2 emissions of at least 4% per year.
ESG integration
ESG criteria (E: environment; S: social, G: governance) are an integral part of our active investment process for traditional investments.
Take responsibility
According to the measures of our investment stewardship process, we engage in dialogue with companies and exercise our voting rights.
The funds and fund managers of our partner Swisscanto by Zürcher Kantonalbank regularly receive the most coveted fund awards.
Fund managers must consistently achieve outstanding results in order to gain a top place. Past performance is one of the most important assessment criteria.
Benefit now from CHF 35.-* voucher + a chance to win CHF 1,000 >
Knowledge
© Sparen 3 pension foundation of Zürcher Kantonalbank
and Vested Benefits Foundation of Zürcher Kantonalbank
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