Fund investments for pension provision

Using pension funds to exploit opportunities for returns

Additional return possible when saving with an investment fund

In private pensions, combining a savings account with an investment fund can further enhance the potential returns of your retirement assets.

  • Savings account:
    Let's assume you had paid CHF 100 into a standard savings account every month for the past 20 years. This would have earned you interest of around CHF 3,700 (average interest rate of 1.8%*).

  • Saving with a fund:
    Had you opted for a fund-based savings solution, then you would have earned interest of around CHF 12,900 (average return of 4.0%**).
     
  • What does this mean for your retirement pension?
    It means that after 20 years, you would have earned CHF 8,800 more in returns with a combined savings/investment plan.

* Average interest rate for bank accounts over the last 10 years: 1.8%. Applying the average interest rate of Baloise Bank SoBa over the last 10 years (as of 31.03.2017).
** Average performance since 31.03.1997 BVG-Mix 40 Plus: 4.0% (as of 30.09.2017) 

 

Your personal savings goal

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Turnus regular deposit

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The calculation in detail

your balance
Your saved balance from the one-time deposit

0 CHF

Regular deposits

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Ihr angespartes Guthaben

0 CHF

*Sample presentation - performance, simulation or forecast are not reliable indicators of future performance. The performance shown does not take into account any costs incurred in subscribing to or redeeming units. Commissions and costs have a negative impact on performance.

5 tips for successful retirement planning

Regardless of whether you intend to accumulate retirement capital via a conventional third-pillar savings account or in combination with an investment fund, a judiciously planned pension will enable you to enjoy your retirement to the full. Here are five tips for a successful pension: