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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.  

1,973 responses

  1. Thanks to one of the following codes you can save on annual fees - simply enter it when you register.
    -> zCGTM8B
    -> yCQtDKr
    -> XCuewrh
    -> YCaZNDV
    -> 6CgPPgL

    Reply

  3. I am really convinced by Viac.
    So that you can also save fees, here are 2 new codes:
    1CzFpYr
    WCbgX79

    Reply

  4. To avoid paying administration fees on your first CHF 500.00, here are current referral codes:

    - DCNT6KD
    - BCMQ2Hu
    - uCTkZnG
    - GCkbvz4
    - gC2zG2e

    Reply

  6. Matt recommends the VIAC app for your Pillar 3a retirement savings.

    Great app with many options

    Registration following code: WCmcrMk

    Reply

  10. Hello everyone I have already used a code from above so here are another 5 new codes.
    -zCjEavt
    -rC1NNH4
    -gC1dVqa
    -2CxXmbw
    -cCxx12U

    Thank you☺️

    Reply

  11. To avoid paying administration fees on your first 500.00 CHF, here are current referral codes:
    - 5C4CYXt
    - QCCbJQr
    - bCaebrd

    Thanks a lot!

    Reply

  12. Hi, here 5 new codes 🙂
    MJbUN9A
    pJwYZzq
    aJpAVTr
    zJnavAG
    fJ6aU29
    Feel free to answer which one you used so the others can find a valid one!

    Reply

  14. Here are two current codes for no administration fees on your first CHF 500:
    LCUFHor
    UCBP7mp

    Thanks for using! 😀

    Reply

  16. Hello would be nice
    great post!
    Here are a few codes for VIAC - thanks for using them
    BCk3LUs
    tCcgAsi
    RCCQCXS
    eC1pBEM

    Reply

  17. Hello Together

    If you still need a code here are some current ones:

    uCrGBGw

    QCanssu

    gCmjpU2

    LCcmLie

    You can invest 500.- of your capital for free for life.

    Best regards 🙂

    Reply

  18. Dear people,

    from me also a few codes due to the good experience with VIAC:

    cCnJ6Ab
    jCEpzwR
    TCHRFrL
    sCvxk7R
    wCST3Vs
    QChGvRz

    Thanks for using

    Reply

  19. I share my codes which will allow you and me to pay no management fees on the first CHF 500.00 of pension assets.

    I am sharing with you my codes that will allow you and me to pay no administrative fees for the first CHF 500.00 of retirement funds.

    I share my codes which allow you and me not to pay any management fees on the first CHF 500.00 of pension assets.

    SCoeDJT
    bCwWEpa
    ECQDQmy
    vC6uaym
    qCLERCj

    Thank you ! Merci !

    Reply

  20. hi together,
    here are some recommendation codes (use them and invest 500 CHF for life without any fees):
    PCFzmAd
    nCAyweY
    8C18Uf3
    iCp86ov
    XCb2i9i

    i also get the same bonus, thanks for that 🙂 LG simi

    Reply

  21. I can also highly recommend Viac:
    Use one of the following referral codes during registration:

    pChj7DK
    7Cjbamr
    KCdgKyn
    1C7BJ4X
    vCAmKXn

    Thank you!

    Reply

  22. Highly recommended!

    current recommendation codes:

    BCpFB1e
    aCRY1kw
    HCoxUSt
    yCNRVSY
    ECyq3xe

    Reply

  25. Hello everybody
    Some more codes from me.
    Good luck

    tCM1Cdt
    zC5Y4fU
    8CCU8XM
    YCuwcY9
    CCxThTR

    Reply

  26. Hello everybody

    Can highly recommend Viac to you.
    Here are some fresh codes from me:

    uCc75YT
    NC485LK
    WCK3j4t
    JC8voqJ
    QCZJ61B
    UCBwoSp
    FCdMWgx
    KCjBz44
    RCRyCg4
    dCRf3iK

    Best wishes and good luck with your investment.

    Reply

  30. Hello Together
    Feel free to use these current (05/29-22) codes for the fee discount on the first CHF 500.00:
    HCJXecG
    AC2ERZX
    3Ci4f91
    JC6EuTr
    5CUXsfR
    DCbyvgu

    Thank you so much 🙂

    Reply

  31. Hello everyone, here are another pair of current codes.

    NChnte7
    cCswunk
    xCYSUKv
    PC8fac7

    merci 🙂

    Reply

  33. Hello
    Here is my recommendation so that you pay no management fee on the first CHF 500 of pension assets - for life! 🙌

    Use the following code when registering: 6CZZGU2

    Reply

  34. Is a really good thing.
    Here are 4 current codes to save:
    BCYhdnx
    RCDHwpv
    8CsMVcZ
    cCJFxcm

    Reply

  36. I can recommend VIAC, attached are some current codes:
    WCYopc9
    yCoLxGL
    7C6qwWn
    YCd5uJx
    4CznfPy
    Best thanks and greetings
    Luke

    Reply

  37. I can also highly recommend Viac:

    Use the following code for registration:
    RCbXAqn
    3CHCnLL
    WCCRNKK
    Thank you 🙂

    Reply

  38. Am very satisfied with Viac! Here still a few codes for 500.- Fr. managed for free:

    PC8kD26
    BCbyAfF

    Reply

  40. I can only recommend Viac! Here are a few more codes for 500.-
    vCTejoJ
    iCSpEqc
    uCSnYdR
    9CGNcyV

    Reply

  43. Hi all, also recently opened, so far good experience.
    Enclosed are 3 codes:
    DCL4v2u
    mC3tzwL
    hCfBFhf

    Reply

  46. Hoi together 🇨🇭
    I can only warmly recommend VIAC 3a. Here are current codes to redeem, if someone wants to save:

    qCYvRtR
    1CL6QYZ
    9CPWeXf
    EC8mL4T
    1CH2kB6

    Reply

  50. Hello each other
    find Viac a great thing.
    It's never too late to invest in 3a.
    Here is another actual code:
    4Cf6L2k
    Thank you ☺️

    Reply
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