- 7.5% in my pension fund
- 10.6% in my Finpension FZK
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Some more infos from Finanzfluss here:
Crazy concentrated investments into projects that went belly up.
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Can you have a Finpension FZK while being attached to a pension fund? Thought that is mutually exclusive?
Not supposed to, but rarely enforced. (Unless you’re drawing benefits, pension funds won’t care, if you end up triggering disability/survivor pension they could likely have a claim tho)
Fwiw upcoming changes will likely make this not possible (pension funds will be required and able to force a transfer).
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Well in a way yes. Change employer, transfer 2nd pillar assets to Finpension, play stupid, profit.
Finpension FZK LTD (since 06.2020): +67%
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… aka The Smart Money™.
I’ll see myself out.
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Wow, what strategy for Finpension if you don’t mind to share?
Mostly a replication of VT. Slightly higher (3-5%) US exposure.
What funds did you pick? I have a mix of UBS World ex-CH unhedged and UBS World ex-CH Quality unhedged, but my returns for 2025 are well below your %.
It used to be CS and then I switched everything into Swisscanto funds.
That’s totally normal as in 2025 the USD lost a lot of value. If you hold unhedged funds (based in USD), you already lost over 12% in CHF. 
Under my full insurance pension solution, who knows what the performance is but capital is fully preserved and a dividend was booked at roughly 1.9% of the value at the end of the year. A slight increase of the roughly 1.7% dividend the year before.
My 2 Pillar will provide a return of 5.5% - I am quite impressed with it, I expected a lower interest rate.
A nice surprise 
Not a major part of my wealth since I still am quite young
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my pillar 2 managed by AXA collective fund interest for 2025 (extra mandatory portion) only 2.25%, as of Nov YTD the fund performance was a measly +5.2%
I think VT from Jan to Nov, wasn‘t that crazy much more in CHF.
According to ZKB Pensionskassen-Monitor the average net performance for 2025 was 5.3%.
So 5.2% till Nov wasn’t that measly.
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And considerig that pension funds have to invest conservative. 5.2% return in such a year is pretty good actually.
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Can’t wait for Profond to release their numbers
Any Day Now
Yeah same, I assume 4% or less (otherwise pretty reckless when you see most pension fund delivering 4-5%+ have > 115% reserve)
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Btw anyone with profond for more than a year?
(I only had a partial year so not entirely sure about the rules and if it differs)
I did receive a pension certificate for january, with a 2.25% interest for 2025.
If so it reinforce my opinion of the fund, they went for headline grabbing return rather than stability (at 6% last year they’d probably have still claimed their title of best return over 5y period, 8% seemed wild if you’re not at 130% reserve already).