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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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"Intelligent people learn from the mistakes of others".

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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.  

2,009 responses

  3. Hi all, still have current sponsor codes from VIAC here:
    no administration fee on the first CHF 500 of pension assets

    nCmYs2a
    CCYICkc
    Pc7jl85

    Reply

  6. Brilliant thing, when opening an account enter one of the following codes and you and I have 500.- free of charge for life.
    WCoYHCA
    7CJxpAf
    nCqy0uU
    UCiCudH
    OCY5n5N

    Thank you and good luck

    Reply

  14. I have my pillar 3a with Viac and am very satisfied with the overall package. The fees are very low. For me, Viac suggested the Global 60 strategy (60% equity component), where the annual fee is 0.4%. As far as I have seen, the fees with Viac's competitors are only lower in some cases with higher shareholdings. Besides the mobile app, you can also access your account with your PC, which is very important to me personally. You have a large selection of predefined strategies, but you can also put together your own strategy. It is possible to create up to 5 sub-accounts so that you can have your 3a assets paid out in stages at a later date. You can select the strategy separately for each sub-account.

    Use one of the following codes when registering at viac.ch and you will pay no administration fee on the first CHF 500.00 of pension assets - for life!

    6Cj3ius
    vCa4b7M
    BCu0BNl

    Reply

  17. Martin recommends the VIAC app for your Pillar 3a retirement planning.

    If you want to benefit from the unrivalled low fees like Martin, download the VIAC app now.

    The best thing: thanks to Martin's recommendation, you pay no management fee on the first CHF 500 of pension assets - for life! 🙌

    Use the following code when registering: RCcCuO3

    Each code can only be used once.

    iOS: http://www.viac.ch/appstore
    Android: http://www.viac.ch/playstore

    Reply

  19. Saving together made easy 🙂 Thanks for using my code. (you also save)

    Use the following code when registering: 1CM3b9m
    or
    xCT7yIL

    Reply

  21. Just made my 1st deposit: brilliant stuff!
    If only I had started a little earlier...

    Here are my codes:
    iJ1k8P9
    tJNfckN
    xJEHQ7z
    YJHhq5O
    eJdVGUh

    All the best!

    Reply

  23. A few codes - are all unused! So we both save 500.- on the administration fee!

    EC0o3hS
    JC089bU
    HCfF90i
    YCEjIia

    Reply

  26. I also have one more referral code for VIAC:

    cCdXQ40

    Apply at the end of registration to use VIAC and have the management fees offered for your first 500.- for life.

    Reply

  28. Hi all, still have current sponsor codes from VIAC here:
    - VCcLHSq
    - 8CBeWC9
    - bCFJKLo
    No administration fee on the first CHF 500 of pension assets.
    Thank you !

    Reply

  29. Here again three fresh codes:

    5CbeFaC
    wCiJtVo
    6C8kkjs

    Use a code when registering and you pay no administration fee on the first CHF 500 of pension assets - for life!

    Reply

  31. Really a super thing!
    It's just a pity that I didn't switch earlier...
    Here are some more fresh codes:

    kCkfwZJ
    NCD37mW
    eCZaZVa

    Reply

  33. Hi all, still have current sponsor codes from VIAC here:
    no administration fee on the first CHF 500 of pension assets.

    hCs6rOY
    cCqG5pn
    mCI7JXg
    qCdp9SD

    Reply

  38. Thanks to this recommendation with code, you pay no administration fee on the first CHF 500 of pension assets - for life!

    Try these codes:

    iCPQsr1
    FC9TEdg
    DCkVPxc
    XCEGZKw
    JCK7MDZ

    Reply

      1. Great deal, save on fees with one of the following codes
        WCoYHCA
        7CJxpAf
        nCqy0uU
        UCiCudH
        OCY5n5N

        Thank you and good luck

        Reply

  42. Great review, I have been using the VIAC service since last year, recommended!
    Feel free to use the codes below (no administration fee for your first CHF 500 invested):
    MC3TkiJ
    UCuC1yM
    KCxU85u
    eCgYHJI

    Reply

    1. Hey Thanks
      You can take my code for registration!
      I am very happy with this concept and recommend VIAC 🙂 .
      vC9NOOu

      Thanks again for those who also registered

      Reply

  47. Let's save together!
    I am absolutely a laywoman what money invest goes, but here with machts really fun :).

    Use the following code when registering: qCRldpk

    Reply

  48. Great read. Decided to go with VIAC thanks to this article.

    Fresh code:
    UCy2cJp

    Good health to you all!

    Reply

  49. I'll be happy to add my referral codes as well:
    GCYE9Dc
    kCPLbd8

    Thanks to the recommendation, you pay no management fee on the first CHF 500 of pension assets - for life! 🙌

    Reply
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