Postfinance new pension funds: is it a suicide?

I have kept one of my 3a’s at Postfinance till now too, previously Pension 100, since April 2022 Pension 100 ESG.
To compare I simply downloaded the Fund Datasheet as of 31.12.XX and compared the annual performance to VWRL and SMIC.
I didn’t really have another 3a ESG fund to compare.

annual perf in % ( CHF incl. dividends)
Pension 100 ESG VWRL SMIC
2021 +22.5 +22.9 +23.3
2022 -16.5 -18.0 -13.7

VWRL TER 0.22%
SMIC SMI Index Total Return (dividends reinvested)

Make of that what you want :wink: over the long-term we all know, that a fund charging TER 1.3% p.a. will underperform “the market” by at least 1.3% annually, alternatively it will underperform VWRL by 1.1% p.a.