Viac experience report after one year review, costs, fees and refer a friend with Viac Review Test as well as Viac vs Frankly.

VIAC experience report: 7 years 3a with Viac fees, performance, criticism & praise!

Schwiizerfranke has also been invested in Viac for over 6 years and a lot has happened since then with Pillar 3a as well as with Viac. In this article, you can find out how the app was used, how customer support was and what else influenced the Viac experience. viac review!

Table of contents

Viac yield test report in the Performance Review Viac 3a pillar
VIAC Dashboard: Clear and tidy

Viac Field Report Summary

After the year is over and we have gathered some points of contact, we can give you our Viac experience report in one word: Terrific! The app is very intuitive and clear and never caused any problems. The strategies can be adjusted individually every month, which we also used a lot. The fees are extremely low and the Viac performance is therefore very good. 

In January we automatically received the message that the tax report was ready and so we were able to start the tax settlement on time.

Positive Viac experience: Viac advantages

  • Low fees: The Viac performance is absolutely terrific due to the low fees! 

  • Free basic protection: In the event of disability or death, you will receive up to 25 % in addition to your pension assets. For every CHF 10,000 invested, VIAC will provide you with free insurance cover of CHF 2,500 (max. CHF 250,000) in the event of death or disability (70% - IV degree).

  • Intuitive app: It is easy to understand, it is well designed and you can perform all necessary tasks in it.

  • Paperless: Thanks to the app and the website, no paper is necessary. Neither for opening an account nor for the Viac tax return.
  • Viac Performance: It is not only the low fees that ensure a good performance of the pillar 3a at Viac. A top performance can be achieved thanks to the high equity quota of up to 98 %.
  • Ready-made strategies: As already mentioned, Viac likes to work with stock strategies that can give you a good performance. If you are not a stockbroker (someone who knows a lot about shares), you can use Viac's Global 100 strategy, for example. So you don't have to be a pro, but you can become a performance pro thanks to Viac!
  • Customer ServiceAlways there for you via chat or phone and quickly available: Super Viac experience in support! We never needed it, but we asked for another Blog article once via chat and promptly received a competent answer.
  • Vested benefits account: Since May 2020, Viac now also offers a vested benefits account. Are you leaving Switzerland, becoming self-employed or changing employer? You can now park your money temporarily in the Viac vested benefits account or invest it in securities.
  • Viac Invest: Since December 2024, there has also been the Viac Invest Solution for free assets.

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Disadvantages and Viac criticism

  • Fees depending on the strategy not the cheapest: Should you choose products and services based on price alone? Hardly. Nevertheless, there are cheaper providers than Viac in terms of the chosen investment strategy. Young people in particular often choose a strategy with a high equity allocation due to their long investment horizon. If we compare, for example, Viac vs. Frankly or Viac vs. Finpension 3a Viac comes off worse here in the fee comparison. Over a 20 or even 30-year investment period, a difference in fees can make a lot of difference. 
  • No client branch: If you are one of those customers who like to make small talk in branches, you are in the wrong place at Viac. They focus on low costs, avoid fees wherever possible and therefore do without expensive branches.

Viac Performance

Viac performance stands and falls with your investment strategy. Yes, Viac also offers you a "normal 3a interest account" with current interest of 0.15 %. But this is unlikely to attract most customers to Viac. There are other banks that currently pay you around 0.25 % interest, as you can see in our Interest rate comparison you can see. 0.25 % performance is nothing, however, compared to the average 8.3 % over the last 10 years in the Viac Global 100 strategy. You can see this in the Viac Performance Report.

In the past, a high equity allocation led to good performance. What then reduces the return even further are the fees. At Frankly strategies with a high equity ratio are more favorable than with Viac.

However, the future cannot always be derived from the past, of course. The 3a account is used for long-term retirement planning and should not necessarily be used to implement active investment strategies. With the 5 different accounts, however, you can of course pursue different strategies and then staggered to reduce the risk in old age. If you like Viac's digital 3rd pillar, but would like a little more advice, it's worth taking a look at Selma Finance. Compared to Viac, Selma not only manages your 3rd pillar, but also your entire assets if you wish. 

Viac yield test report in the Performance Review Viac 3a pillar
Exemplary 3a portfolio with remarkable performance - not least due to "lucky" timing, after the corona crash in 2020. Return calculated here as TWR - don't get confused (article on the blog).

Viac fees

The normal management fees are 0.40 % on the invested assets. Depending on the strategy, there are also product costs. Certain shares, ETFs or commodity bonds are of course not free for Viac. These (small) fees are of course also incurred by you if you use the corresponding products. Viac has recently introduced a Fee cap, i.e. a cap on fees at a maximum of 0.40 %! At Fees FAQ you will find all further questions and answers about the Viac Fees. Yes, there are cheaper providers such as Frankly from ZKB, but this depends mainly on the strategy chosen. This does not have a negative impact on our Viac experience report.

Since there is from Viac a "Invite friends"program, you can even make your first Manage CHF 1,500 free of charge and save on the administration fee! So when you open your account, invite friends right away and get the coupon. Feel free to leave your code in the comments, then it will be even faster for you and others can also benefit from it.

Viac alternatives in comparison

Finpension

In the big Pillar 3a comparison Finpension in particular stands out very positively.
The pillar 3a offering from Finpension is not only somewhat younger, but also cheaper than Viac's offering. Furthermore, Finpension offers a wide range of investment strategies to choose from, which is also customisable. The offer is complemented by a very exciting vested benefits facility and good customer service. Finpension so you should definitely look at it as a Viac alternative.

Frankly

The digital pillar 3a offering of Zürcher Kantonalbank (ZKB) goes by the name of Frankly and is very popular. The digtal pension solution is inexpensive, innovative and particularly suitable for long-term investments with high equity ratios.

Viac Taxes

Since the tax report is sent automatically in January, Viac Taxes no problem. Without an application and without paperwork, the tax assessment is conveniently sent to you. When you file your tax return, you submit it and claim back the corresponding taxes. In the Tax table you can see how much tax you can refund in your canton of residence on your income.

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Conclusion of the Viac 3a test

Viac revolutionises the pension market with its 3a solution. What stands out in a particularly positive way is the Free "Basic protection" add-on in the form of cover in the event of disability or death.

All in all, the Viac package is right, and you will find a very good fair and good product offered. The Viac performance is very good, thanks to a high equity quota of up to 98 %, it is thus possible to build up assets well over the long term with the 3rd pillar.

The Viac Fees are very loweven if Finpension is more favourable. Depending on the strategy chosen, it may also be Frankly be cheaper and more attractive.  

2,099 responses

    2. So far I have only had good experiences with VIAC. And if there are any questions left, in the VIAC chat you will get really competent answers. Sometimes you have to wait a little until.
      Here are a few fresh codes - good luck with your 3a installation!

      fC2xyUy
      JC0HQX2
      OCUeXIo

      Reply

  4. New codes from 03.06.2020->
    Use the following code for registration:
    HCjRYuJ
    PCoYXXu
    8CUxUM8

    Reply

  6. That is really interesting, You are an overly skilled blogger.
    I have joined your feed and look ahead to seeking extra of
    your wonderful post. So, I have shared your web site in my social networks

    Reply

  7. Hiya, I am really glad I've found this info. Nowadays bloggers publish only about gossip and web stuff and this is actually frustrating. A good blog with exciting content, this is what I need. Thank you for making this site, and I'll be visiting again. Do you do newsletters by email?

    Reply

    1. Hey Maryln, thanks for your feedback! Sure, please take a look at "Wealthletter" in the section of tools 🙂

      Reply

  8. Hi everyone, here are some additional codes in case you haven't signed up for the service yet. I've been using it for 18+ months and I really recommend it.
    eDChJD
    SCMoiN2
    Regard Marcus

    Reply

  9. Here are a few new codes for free use:
    - nCFcGIG
    - 4C7oJRC
    - 6CVI4Sf
    - tCdfmC3
    - PCnyhUk
    Have fun redeeming it!

    Reply

  13. Thanks for the great report! Viac clearly offers the best 3a solution for me.

    Here are my codes for new Viac registrations:

    2CIZYEAR
    TCkamn0
    sC37QXn

    Reply

  14. Here is my code for new Viac members: WCeX9DI
    If someone enters the code, he and I each get 500 CHF free of charge from Viac.

    Reply

  15. Here are some new codes:
    VCRC3yj
    0CYfvbS
    yCdU1EI

    Good performance despite crisis, highly recommended!

    Reply

  19. I can only recommend this contribution. I myself am enthusiastic about VIAC 🙂
    Best of all, if you use one of the codes below when registering, you won't pay an administration fee on your first CHF 500 of pension assets - for life!
    Simply use one of these codes under "Have you been invited by a friend" when you register for the app:
    cCNX0Zz
    TC6euRS
    3ChOMrt

    Reply

  20. Hello everyone, also highly recommend the VIAC product. Really a great thing in the otherwise very dusty financial sector.
    Here are two new codes:
    aCVchGn
    CCt7ssx

    Reply

  21. Here are two current codes.

    The best thing about code, both sides save fees. ✅
    👉Code: PC1sCYe
    👉Code: dCkntWW

    Reply

  25. Here are a few new codes for free use:
    - VCkOPyk
    - 2CsMOHF
    - zCWGCRU
    - PCCIhhO
    - sCywyCv
    - hCCKB6L
    Have fun redeeming it!

    Reply

    1. Thanks for sharing, Urs. You've shared codes before, are they from other people, or how come? LG

      Reply

  27. Hello everybody

    You are welcome to use one of the following codes:

    5CxoLmX

    aCUyunC

    Have fun redeeming it!

    Reply

    1. very easy even and if there are any questions, you will be helped immediately! 🙂 Thanks for sharing Andrin

      Reply

  31. So far a 4% performance in the Switzerland 60 strategy despite C...
    Here still current codes
    rCXSuB4
    5CxsZAq
    fCjC8nM
    cctfT6t

    Reply

  33. Here are a few new codes for free use:
    - VCzGDW6
    - 5ChT16S
    - RCD1jZU
    - UC9YmmG
    - 6C2N6iL
    - cCqNC41
    I can highly recommend VIAC, the transfer and the investment works without any problems....

    Reply

  38. Very good article Eric. Thank you, Eric. Currently certainly one of the best solutions for 3a in Switzerland.

    Here are some current codes:
    mCF2wV6
    HCFXjRB
    xCBMgQj
    lCiUvdS

    Reply

  39. Great article and summary, thank you very much.

    Enclosed are also codes, in case someone is interested in 500 CHF free portfolio:

    0Ch2ejX
    cCoA2a5
    0C2PJxt

    Reply

  46. I have also made great experiences with it. Very transparent.
    Had a great performance until the days of the coronavirus... but it's clear. Going up again too!
    Here are three current codes:
    iCbPchA
    ICJKFim
    qCWumZA

    Greetings Arne

    Reply

    1. yes, that's part of the job market. But I like to see it the other way around: Sale! Instead of getting excited, I'd rather invest again because retirement provision is a long-term issue anyway 🙂 LG and thank you very much for your feedback!

      Reply

  50. Hi Schwiizerfranke. Great article about Viac - I'm already in it and like it. Finally a solution where you can invest a large part in equities with low fees. with my time horizon of > 30 years, this is actually a no-brainer.
    Here is my code for new Viac members: ICbTwuj
    If someone enters the code, he and I each get 500 CHF free of charge from Viac.

    Reply

    1. Hi Maddin, I agree with you! Risk and return are always linked. That's why the stock market carries more risk than less profitable investments. But if you have a 30-year investment horizon, you can take the risk. Simply reduce the equity quota slowly as you get older, so that you are not in a financial crisis at the age of 65 and the shares are not in a bad position.

      Thank you for your positive feedback and sharing your Viac friends referral codes!

      Regards Eric

      Reply
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