Soluzioni in titoli 3a

Nel 2020 gli esercitanti attività lucrativa affiliati a una cassa pensioni hanno la possibilità di versare l'importo massimo di 6826 franchi nel pilastro 3a.

Chi è senza cassa pensioni può dedurre il 20 percento del suo reddito di lavoro, per un massimo di 34'128 franchi. L'istituto previdenziale deve aver incassato l'importo deducibile entro e non oltre il 31 dicembre.

Fornitore di servizi Prodotto Quota azionaria strategica Gestione Rendimento 2020 Rendimento dal 1.1.2010
Credit Suisse  CSA Mixta-BVG Basic 0% actif 0.58% 1.68%
Swisscanto Invest by Zürcher Kantonalbank Swisscanto BVG 3 Portfolio 10 10% actif -0.31% 2.84%
Baloise BVG-Mix 15 plus 15% actif -4.20% 2.51%
Mobiliar MobiFonds Select 30 15% actif -0.80% 2.24%
Swisscanto Invest by Zürcher Kantonalbank Swisscanto (CH) Fonds 20 passif - VT CHF 20% passif -2.11% -
Baloise BVG-Mix 25 plus  25% actif -4.66% 2.99%
BCV BCV Pension 25 AP 25% actif -2.73% -
Credit Suisse CSA Mixta-BVG Defensiv 25% actif -1.43% 2.72%
Credit Suisse CSA Mixta-BVG Index 25 25% passif -0.66% -
Migros Bank Migros Bank (CH) Fonds 25 V 25% actif -3.14% 2.68%
Postfinance PostFinance Pension 25 25% passif -2.74% 2.52%
Raiffeisen Raiffeisen Pension Invest Futura Yield 25% actif -2.80% 2.15%
UBS UBS Vitainvest 25 Swiss U 25% actif -2.52% -
UBS UBS Vitainvest 25 World U 25% actif -2.53% 2.60%
Zurich Target Investment Fund 25 CHF - Anteilsklasse C 25% actif -3.19% 2.37%
Swisscanto Invest by Zürcher Kantonalbank Swisscanto BVG 3 Portfolio 25 26% actif -1.28% 3.53%
Credit Suisse CSA Mixta-BVG 35% actif -2.15% 3.14%
Credit Suisse CSA Mixta-BVG Index 35 35% passif -1.13% -
Zurich Target Investment Fund 35 CHF - Anteilsklasse C 35% actif -4.65% 2.74%
Baloise BVG-Mix 40 plus 40% actif -5.75% 3.75%
BCV BCV Pension 40 AP 40% actif -4.13% -
Credit Suisse CSA Mixta-BVG-Maxi 45% actif -2.80% 3.52%
Credit Suisse CSA Mixta-BVG Index 45 45% passif -1.64% 4.27%
Luzerner Kantonalbank LUKB Expert-Vorsorge 45 45% actif -3.63% 2.91%
Migros Bank Migros Bank (CH) Fonds Sustainable 45 V 45% actif -2.50% 3.69%
Mobiliar MobiFonds Select 60 45% actif -0.50% -
Postfinance PostFinance Pension 45 45% passif -3.84% 3.69%
Raiffeisen Raiffeisen Pension Invest Futura Balanced 45% actif -4.00% 3.45%
Swisscanto Invest by Zürcher Kantonalbank Swisscanto BVG 3 Portfolio 45 45% actif -2.70% 4.36%
Swisscanto Invest by Zürcher Kantonalbank Swisscanto BVG 3 Oeko 45 45% actif -2.41% 3.00%
Swisscanto Invest by Zürcher Kantonalbank Swisscanto BVG 3 Index 45 45% passif -2.31% -
Swisscanto Invest by Zürcher Kantonalbank Swisscanto (CH) Fonds 45 passif - VT CHF 45% passif -4.10% -
Zurich Target Investment Fund 45 CHF - Anteilsklasse C 45% actif -4.60% 3.21%
UBS UBS Vitainvest 50 Swiss U 46% actif -4.02% -
UBS UBS Vitainvest 50 World U 46% actif -5.29% 3.56%
Raiffeisen Raiffeisen Pension Invest Futura Growth 58% actif -4.90% -
Postfinance PostFinance Pension 75 75% passif -5.64% -
UBS UBS Vitainvest 75 Swiss U 75% actif -5.47% -
UBS UBS Vitainvest 75 World U 75% actif -8.04% -
Mobiliar MobiFonds Select 90 77% actif -1.30% -

Fonte: calcolo di VZ VermögensZentrum, aggiornato al: 30.06.2020, annualizzato

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