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. VIAC convinced me with the low fees and the user-friendly application.
    Here are current codes so that new members can also benefit:
    2CB7Yix
    yCO47fb

    Reply

  4. Viac is also suitable for the 2nd pillar - especially if the assets are to be parked for several years.

    If you want to save on fees:
    GCzriza
    eCiwqlj

    Reply

  7. These founders guys had really good ideas and brought a great pillar 3a solution. By entering this code TCCM8y7 or qCdrTNH or SCSljU1 or cCuhfRh (updated September 2020) during registration you will receive CHF 500 free of charge at VIAC. It is interesting because it is known that ETFs are profitable in the long run. A 3a retirement savings plan is also profitable in the long term, and therefore profitable with Viac.ch.

    Reply

    1. I don't know about you all - but personally I rarely experience customers "advertising" a product like this. That speaks volumes for Viac 🙂 Have a great weekend and thank you all for your comments!

      Reply

  10. I have not been with VIAC for long, but so far I am more than satisfied. Seems to have a large community, which can be seen in the integration into programs like Portfolio Performance.

    If anyone else needs a code:

    vCzFIdC

    ECnd40x

    cCyN2jn

    Reply

  12. Nice article, VIAC is really good, you can't go wrong with it, if you need codes:

    8Ccu3tH

    XCmtJz8

    eCcVOuF

    Reply

  13. Best of all, if you use one of the codes below when you register, you will pay no administration fee on your first CHF 500 pension assets - for life! 🤙 Simply use one of these codes when you register your app under the "Have you been invited by a friend" section:
    LCY5JD5
    dC2k5eS
    HCiik9y

    If required, VIAC is also great for support! For example, you can also start with a slightly more conservative strategy with a lower proportion of equities and switch to one with a higher proportion of equities at the "right time". Rebalancing then takes place at the beginning of the month.

    Reply

  16. Hi, here are some new codes that can be used to open new VIAC accounts (valid from 29 August 2020).

    FCXqQvZ 
    qCohrbd 
    ICG2iOn 

    I am very satisfied with the VIAC services and support. I found the FAQ extremely clear and complete. Nothing is taken for granted.
    I also had the chance to chat with one of the VIAC guy to clarify some details about the end-year account statements and I found his explanations very comprehensive and clear.

    Reply

  18. Hello friends, my codes for you are:
    DC4wSR7
    SCLXvyh
    vCobuUM

    Thanks for the article and the comments!

    Reply

  19. Hi, Swiss Franks, thank you for sharing your experience!

    My codes for new VIAC members:
    aC1Q89P
    4CUDzAg
    BCyDLmp

    Reply

  23. Here are some more codes:

    uCOmCuu
    lCmDCOt
    CCLSaLW

    I am very satisfied with Viac so far, the registration was super fast, mobile app and website are very functional and clear, deposits are credited very quickly.

    Reply

  31. Super performance, reliable app and good support for questions. I can only recommend.
    Here are my current codes:
    iCOeKYQ
    tCpr7HH
    XCNagAr

    Thanks for using 😉

    Reply

  34. Here are my codes for new Viac members: (01.07.2020)

    LCqGE8k
    HC9RfxT

    Thanks a lot!

    Reply

  36. Viac is outstanding and offers an unparalleled savings 3a experience: 5 stars for the app/website, for the unrivalled fees, as well as for the generous choice of investment strategies. Here are the discount codes for new Viac customers:
    9Ch2DwW
    eCAXKZs
    9CojGPe

    Reply

  37. I can only recommend this contribution. I myself am enthusiastic about VIAC 🙂
    Best of all, if you use one of the codes below when you register, you will pay no administration fee on your first CHF 500 pension assets - for life!
    Simply use this code when you register for the app under the item "Have you been invited by a friend":
    4CsY1SU

    Reply

  38. Hello...Here is new code...

    You pay no management fee on the first CHF 500 of pension assets - for life! ��
    Use the following code for registration: gCO7gyq

    Kind regards from Solothurn
    Robert

    Reply

  40. I can only recommend this contribution. I myself am enthusiastic about VIAC 🙂
    Best of all, if you use one of the codes below when you register, you will pay no administration fee on your first CHF 500 pension assets - for life!
    Simply use this code when you register for the app under the item "Have you been invited by a friend":
    yCjdLEq

    Reply

  41. Super app! Since 1.3.2020 a performance of 9.4%
    Here are some more codes:
    HCNPc37
    VCGjb5a
    dCcvIlq
    With such a minimal administration fee, access 😉 immediately and by the way, thanks for using my codes.

    Reply

  42. Your new Viac Code:

    HCWps2T
    vCuoQvs
    nCdvZeF
    6CzkMK1

    Thank you so much for using one of my codes.

    Reply

  43. Here are a few fresh codes to avoid paying fees on CHF 500 - for life:

    mCtcQcu
    VCzYZ4U
    uCTeUaY

    Best regards
    Andrea

    Reply

  46. I have been using VIAC for a few months now and I am thrilled! Here are a few codes for free use:
    - JCZ44nz
    - PCVmRyS
    - hC1vejm
    - qCd1siX
    - xC1Moy6
    Have fun redeeming your ticket on the VIAC site!

    Reply

  47. I can only recommend this contribution. I myself am enthusiastic about VIAC 🙂
    Best of all, if you use one of the codes below when you register, you will pay no administration fee on your first CHF 500 pension assets - for life!
    Simply use one of these codes when you register for the app under the item "Have you been invited by a friend":
    cC0iF0q
    dCGdY0P
    UCX93Or

    Reply

  48. Hello, everyone,

    I can recommend this brand new code for your mutual benefit. 🙂

    CCpydht

    Thank you and best regards
    Carla

    Reply

  50. I can only recommend this contribution. I myself am enthusiastic about VIAC 🙂
    Best of all, if you use one of the codes below when you register, you will pay no administration fee on your first CHF 500 pension assets - for life!
    Simply use one of these codes when you register for the app under the item "Have you been invited by a friend":
    cCNX0Zz
    TC6euRS
    3ChOMrt

    Reply
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