Compare Swiss retirement funds now
Calculations are based on complex moneyland.ch algorithms and on the following assumptions:
General:
- The guarantee of editorial independence applies.
- Users can enter the amount of capital they plan to invest initially in Swiss francs. Calculations are based on the assumption that the initial capital was previously held in a pillar 3a retirement savings account. At the start of the comparison term, the investor uses the initial capital (minus possible fund share issuing fees) to buy shares in a retirement fund.
- Investors can enter the amount which they expect to deposit into a retirement fund each year in Swiss francs. Calculations are based on the assumption that additional deposits are made at the beginning of each year. Note that in annual purchases of pillar 3a retirement fund shares may not exceed the legal annual limit for pillar 3a contributions (this does not apply to pillar 2 fund share purchases). Deposits (minus possible share issuing fees) are used to purchase additional fund shares.
- All fund shares are sold at the end of the investment term. Money earned on the sale of shares (minus possible share sales fees) is transferred to a pillar 3a retirement account. This amount is shown in under “Final capital” in cost breakdowns.
- Figures are calculated exactly for the selected comparison term. Final results are rounded exactly to the nearest 5 centimes.
Total cost calculations:
- All costs are calculated exactly for the comparison term according to current fee schedules.
- The figure shown in the TER indicator field is the fund’s total expense ratio which accounts for ongoing fees and charges such as administrative costs and transaction costs. It does not account for fund share issuing fees, share sales fees, custodial fees and internal fund transactions costs.
- TER costs are calculated based on the TER and the TER KGAST applicable to the current year or half-year. The higher synthetic TER indicator is used for umbrella fund calculations.
- Share issuing fees (the front-end load) are deducted once from the initial capital investment and once from each additional deposit. Share sales fees (the back-end load) are deducted from the total value of fund shares at the end of the comparison term.
- Minimum or maximum share issuing and sales fee calculations are based entirely on fees charged by funds, and not to fees which are credited to investors’ fund capital.
Net performance calculations:
- The published performance in Swiss francs and percentages is calculated based on the annual rate of change of the net asset value (NAV) of each share.
- Performance reports published by retirement funds account for TERs but do not account for the costs of share issuing fees, share sales fees and custodial fees for the safekeeping of fund shares.
- Published performance is calculated based on the assumption that capital gains and/or dividends are reinvested in additional fund shares on an ongoing basis without deductions (without commissions, levies or taxes such as the federal stamp duty).
- The net performance shown is calculated by deducting issuing fees, sales fees and custodial fees from published performance. The net performance of Swiss retirement funds is only calculated by moneyland.ch.
- Retirement funds for which performance reports corresponding to the selected comparison term are not available do not appear in comparison results.
- Information used for calculations is provided by fund managers and/or Swiss Find Data
- Retirement funds with swing pricing may charge share issuing fees or share sales fees when inflows or outflows of net retirement fund capital surpass certain thresholds. Swing pricing differs from the standard model of fund share issuing and sales fees in that fees are not applied when the threshold is not surpassed. Swing pricing serves to protect existing shareholders from stock dilution
- moneyland.ch calculates fund share issuing and sales fees using the current averages published by fund managers. In some cases, actual fees can be higher than those used for calculations.
- The flat fee is calculated as an annual percentage of the value of fund shares (the average end-of-month asset value for each of the 12 months in a year) and deducted from investors’ fund assets at the end of each year.
- Custodial fees are calculated as an annual percentage of the value of fund shares (the average end-of-month asset value for each of the 12 months in a year) and deducted from investors’ fund assets at the end of each year.
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