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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!
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.
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.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
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.
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.
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.
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.
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.
Your key to success! Discover our top recommendations from real testimonials.
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.
So far very happy with the Viac app, clear and concise.
Here are the latest codes, thanks for using them!
yCrfFY4
cCW34PX
3CFCCtR
DCLdNmu
6CEeWQ3
New week, new code:
dCQgSGf
Am very satisfied. Please use the codes when registering. Thanks
4CkSJQb
jCr3EUc
jCd51bW
I can only recommend VIAC to others...
Here are some brand new codes, merci for using them!
bCLci9b
VCEnrGs
uCtJHvk
5CRCJsj
NCBWrtV
I would be happy if someone takes my code to register! We both benefit from it!
Here it is:
TCVehjM
Thank you very much for using it!
Rosi
Hello everyone, here are some current discount codes from VIAC.
Each code can only be used once.
ACrqhGT
wCRtTi8
pC9EF22
oCGH3kQ
Kind regards
New VIAC Codes:
3Ctjbb4
gCs5Wn1
BC2h47w
vCrbE4D
New code to save fees
qCMP3Wv
Here are a few new codes to save on fees:
HCrryjA
gCe1ovn
YCuBzGT
Thank you and LG Linda
A new code
YCvLxZL
Thank you
New code:
zCrKZmH
User when registering the following code:
aCjwQ7a
eCik49b
xCkffUd
FCgcvGt
Each code can only be used once.
Love greetings Michi
some new codes:
JCceQFs
5CwEAUd
ZC6wWBF
UCT9XSA
RCK6KRv
I can also highly recommend VIAC for pillar 3a.
Here is a code to save fees 🙂
YCdudYd
I can recommend, simple structure. Three more codes from me to save fees.
6CD2R1i
pCutWqc
zCZ8hoa
Matt recommends you use the VIAC app for preventive care
Use the following code when registering: YCod7vX
Here is a new code for Viac (February 3, 2022):
sCjquhM
All the best! Greetings, Manuel
With this code you don't have to pay any administration fee on the first 500 CHF when you open an account at VIAC 🙂
kCsB633
ZC7ESXp
BC4sKWm
Use the following code for registration:
XC2q5wy
wCXwdqV
I am very happy with VIAC 3a, also the app is very well done. I can really recommend it 🙂
Here are two new codes for registration:
uCofHkc
GCVwCjh
Hello, 3 new referral codes from me!
5Cs1Yyd
1CeYHNX
BCFhDbD
With these codes, you pay no administration fee on the first CHF 500.00 of pension assets - for life! 🙌
uCWZrHb
CCgpJ2m
TCPTAiD
iCTbjkT
VIAC discount code 2022 - save on registration fees 🙂
1CfQUKm
Hello everyone, here are some current discount codes from VIAC:
no administration fee on the first CHF 500 of pension assets:
AJRT5Nn
MJuBPkm
CJjtHoD
dJFjSu6
4JnreqE
* * * new code January 2022 * * *
Use this code and save on administrative fees:
BCRPhm9
gCSV6Sr
AC8kQ8i
Some more fresh codes from me, thanks for using, good luck.
oCy7xxK
oC4UmEY
CCgvfXm
hCN7HDx
I have been a Viac customer for almost 3 years now and am very satisfied with it. The performance is good, the website is easy and intuitive to use, and if I have any questions, I get a quick answer via online chat.
Here also from me a few codes, which are very welcome to use. Thank you in advance 🙂
iCh4hvB
RCwsp4B
bCyCvAC
Fee discount registration codes: PCvMfS4 pCDjtd2 KC8v6jF FCvcTe8 mCmYXiy
PROFIT NOW and save CHF 50 in fees with this code:
refsg6912
Please use the following codes when registering with viac four new :
FC4Ssbk
KCWUsS2
9CKM5FG
NC4r1sj
Anyone who registers now can save fees with this code 🙂
eCtB2vP
Benefit from discount at registration with the following codes:
MC8nneS
dCJrXQf
dCzopnB
dCqjEHJ
tCqbtQF
I can absolutely recommend VIAC. Clear and inexpensive. Here are a few current codes for 2020:
XC6LwHZ
NC2XrHB
KCmnSQT
Here are my two new codes:
vCcmXdT
ACoZwCv
New code (as of 01/18/2022):
8CFjQEz
Hi everyone, I'm really pleased with the app and am happy to send you one-off codes. Thanks to the recommendation, you pay no administration fee on the first CHF 500 of pension assets - for life! 🙌
RCJH4s3
QCWWkje
ZCL3G35
PC1Q6Uq
RC69vG1
By using a code from the VIAC-Reward program, you will receive an allowance of 500 CHF when you open your account, on which you will not have to pay any administration fee permanently.
Already missed the moment to enter the code when opening an account?
Then go to "Profile" at the bottom of the VIAC app and click on "Refer a friend" in the line above.
Here are a few of my codes, each code can only be used once:
WCXt9P2
WCjv3uR
bCqcbWa
hCghpKY
Thank you very much.
I can really only recommend VIAC! Great website, great support, good fund selection, low fees - what more could you want?
If you also want to join VIAC, enter one of the following codes when you register and you won't have to pay an administration fee for the first CHF 500.00 of pension assets - for life! 🙌
fJUY29s
dJxEK5d
xJbxQaX
AJFYEZv
mJ1X14v
Enclosed are two new codes for registration with VIAC (on Fr. 500 lifetime no fees):
CCJqEeM
7C33FyA
Once again a new code (13.1.2022)
hCv3LBf
Thank you very much and all the best!
After one year of VIAC and a very good performance, I can recommend everyone to clear their classic pillar 3a bank account and switch to VIAC without any complications.
Here are some codes with which you can manage the first CHF 500.00 for free:
BCoiSY3
VChzAxg
VIAC has lowered the fees, which could be especially interesting for investors with high equity weight. Global 100 now has 0.45% total cost with a share anateil of 97%
Those who want to join now can save additional fees with these friend codes:
nCgQ4fP
AC8hUaP
DCcemnF
Use the following code when registering: 2CyJXDX
Each code can only be used once.
Use the following code when registering: 7CthZEM
Each code can only be used once.
Use the following code when registering: jCVthFk
Each code can only be used once.
Use the following code when registering: ACZc25X
Each code can only be used once.
Hello everybody
Here are some new codes for the registration at Viac.
Thanks to this code, you pay no administration fee on the first CHF 500.00 of pension assets - for the rest of your life.
GCxG4J4
uCWUEdQ
zCFgS3r
GChPrMb
RCx329T
Greetz
Please use the following codes when registering with viac :
KC1Cdg
My first 3a account!
Please use the following code:
sCLjv3Q
Feel free to use one of the following codes when registering. This will save us both fees. THANK YOU!
HJP3nqu
7JDCrVJ
SJdNFWx
FJfL3V9
5JKCy1x
Ciao zäme,
am very satisfied with Viac 3a, as well as with the clear app. Depending on the need, also a very detailed overview.
I can highly recommend!
Love greetings Dani
Please use the following codes when registering with viac.
bC6Ezka
nC8G42s
Please use the following codes when registering with viac best thanks
KC1CdgF
Some code replenishment, thank you all for using it!
kCWKz8C
9CMsV38
rC6AErt
TCBqN4w
Please use the following codes when registering with viac :
SCD8deq
KCMgihT
XCf2ghM
Thank you very much.