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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

  3. Viac codes

    I can also highly recommend Viac!Use one of the following referral codes during registration to get the first 500.- managed for free:

    TCstY9h
    eCrZdAb
    NCvceoy

    Thankyou!

    Reply

  5. recommends the VIAC app for your Pillar 3a pension provision.

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

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

    Use the following code when registering: 8CGiw22
    yCUQ58j
    LCMPpBe

    Each code can only be used once.

    iOS: http://www.viac.ch/appstore
    Android: http://www.viac.ch/playstore
    Huawei AppGallery: http://www.viac.ch/appgallery

    Reply

  6. Hey! I have had good experiences with frankly Pillar 3a and think frankly could be interesting for you too.
    With frankly, retirement planning is simple, transparent, affordable and completely digital. Open frankly and receive a voucher of CHF 50 on your fees.

    Your Promo code

    Only valid for new customers within 48 hours of first account opening.

    Reply

  7. Viac offers all new clients no administration fee (0%) on the first CHF 500.00 of pension assets - for life!
    You can benefit from this with one of the following codes:

    fCe4TCF
    iCnWj1c

    Reply

  9. Here are some brand new codes for you:

    FCTCzor

    pC3PZuq

    JC2QQEP

    This means you pay no administration fee on the first CHF 500 of pension assets - lifelong!

    Reply

  10. From my own experience of several years, I can highly recommend VIAC.

    The fees are very low, if you want to keep them even lower, use one of the following promo codes when opening.

    FCTCzor

    pC3PZuq

    JC2QQEP

    This means you pay no administration fee on the first CHF 500 of pension assets - for life!

    Reply

  15. With the codes below, you pay no administration fee on the first CHF 500 of pension assets - for life!

    Latest discount codes:
    YCPq1mf
    tC7a5KH
    2CzsdBT
    7C5FCKQ
    aCpXVCZ

    Reply

  17. If anyone else wants a code (makes the fee for the first CHF 500 of pension assets disappear):
    2CtFtqb
    kCz3dMK
    Please 🙂

    Reply

  18. Here are new codes - I've opened account no. 3, strategy: own 65% US, rest CH, so full steam ahead - 🙂 Hope you do the same, good luck.
    Thank you

    HCkSbci
    uCAwVPT
    nCNan3E
    wC3NJaN

    Reply

  19. I am very satisfied with VIAC and am happy to recommend it to others.

    Here are a few new codes from today:
    VCzGvKr
    2CtPnpz
    8CebCK3
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    zCE5kDc

    Good luck and thank you very much!

    Reply

  28. I have had good experiences so far 🙂 It is best to try it out for yourself.
    Here are a few discount codes:
    VCxHCK1
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    2Cvp3a6

    Reply

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

    fCCDk7W
    DCQg6rU
    uCPrNvG

    Thankyou!

    Reply

  34. I'm very happy with Viac, easy to customise to your desired investment profile - and to switch if desired. Glad to share some details codes as well:

    - oCAcAis
    - pCcbyMP
    - WCrdNuc
    - cCVKpq5
    - XC37h13

    Reply

  36. With one of the following codes, you pay no administration fee on the first CHF 500 of pension assets - for life!

    - CCPHNLd
    - 2CbJUsR

    Reply

  41. I recommend the VIAC app for your Pillar 3a retirement savings.

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

    Use the following code when registering: yCb4dXE

    Reply

  42. With one of the following codes, you pay no administration fee on the first CHF 500 of pension assets - for life!

    nCB8SkH
    mC3gtVY
    rCcAyPr
    qC9EybK
    LCPVcRN

    Each code can only be used once.

    Reply

  43. With one of the following codes, you pay no administration fee on the first CHF 500 of pension assets - for life!

    nCB8SkH
    mC3gtVY
    rCcAyPr
    qC9EybK
    LCPVcRN

    Each code can only be used once.

    Reply

  46. Hello Together
    Here are 3 more current codes:

    aCgoQKd
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    4CLxCdS

    Have fun creating and saving 😁

    Reply

  50. New discount code: benefit and pay on the first CHF 500 your life no administration fee!

    ACZmW4n
    1Cb2rTN
    qCeM8SN

    Reply
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