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

  3. Hello everybody

    I can really recommend Viac. I am mega happy. If you also decide to use it, why don't you enter one of the codes below when you register? Then you won't pay any fees for your first CHF 1,000 (and I'll benefit from it too - win-win):

    FCNXVtL
    8CttQuD
    tCJT3D5
    tCcJC8a

    Reply

  4. Here codes for the deposit before the end of the year, or otherwise at the beginning of 2023.

    gCtmcZU
    2CE7e3i
    4CVdQFw

    Reply

  5. Flawless processing. Performance remains to be seen.

    Valid codes to save:
    tCE8YsG
    aCeD2Rz

    Best regards
    Markus

    Reply

  8. Hi to you
    3 more current codes in case anyone still needs one. It's almost the end of the year.
    With the code, there are no fees on the first CHF 1000 for life.
    LC3BPqM
    PCQd5tZ
    dCbdTzb

    Reply

  12. Please find below two new codes that can be used to invest CHF 1,000 with Viac for life without any fees.

    rCqMK6d

    iCvFCxL

    Reply

  16. CHF 1000 pension assets no administration fee - for life! 🙌

    Use the following code for registration:
    7CLvroQ
    fCzb4Uc
    zCvofiY
    nCH2bSh

    Reply

  20. Relevant article, especially at the end of the year. Many thanks !
    For pillar 3a is http://www.viac.ch still the only investment platform. The simplicity of the product (desktop and mobile), the customer service has been the best so far and the fees are still at the lower end of the market.

    At the end of the year, I am sharing more VIAC codes that can save you CHF 1000 in administration costs by using one of these codes when you register:

    5J2ATCv
    qJtb4MZ
    bJyqg6E
    NJSroRz
    LJFvLqQ

    Reply

  21. VIAC is top! Low and transparent fees and a clear app.

    A few more codes. Each code can only be used once. If one doesn't work, just try the next one:
    HCbEx9z
    LCZc2Dx
    SCr1PMX
    cC2cXUr

    Reply

  22. Here are a few new codes for all those who still want to save taxes in 2022 🙂
    HC6SA2c
    TCGv4xq
    hC9G8jT

    By the way, these levels have now been doubled, e.g. the fees are reduced to 1000 Swiss francs (instead of 500) and more.
    In addition, interest rates are rising; Viac has already increased the interest rate on the cash portion.

    Reply

  24. New codes 1 Dec. 2022 21:45

    Use the following code when registering: CC2fYT3
    NCuFgYD
    dCm4QbV
    7CAsUio
    zCQv3Xs

    Reply

  27. Thanks to my recommendation, you pay no management fee on the first CHF 1,000 of pension assets - for life! 🙌

    Use one of the following codes when registering:
    gCEve2E
    BC7qzuE
    sCLdE27
    pCnpijj

    Each code can only be used once.

    Reply

  28. From now on, you can even save the fees for the first 1000 francs invested (previously 500 CHF) with such a referral code. And if you invite more friends yourself afterwards, you can even save the fees for the first 8500 francs (previously 5500 CHF). And that for life.

    Current codes as of 28.11.2022

    6Cn8td8
    ZCwZkt5
    8C5ZgMm
    kCsyAd8
    CCBa5DF

    Reply

  29. TOP New codes valid from 28.11.2022:
    Thanks to the following new codes, you pay no administration fee on the first CHF 1,000.00 of pension assets - for life!
    Simply use one of the following codes when registering for VIAC.
    Please start with the first code and try the next one (each code is valid only once):
    WCSkxNZ
    SCEPuVW
    YCuAPec
    zCN1tFx
    MCsWy1N
    bCYBPQ7
    qCbKgsZ
    QCTJSgd
    pCjGLGL
    VCo3Wy4
    KCD6HFd
    wC75YUi

    Have fun and good docking! 🙂

    Reply

  31. Hi, everybody.
    Here are my current codes to benefit from CHF 1000 fee-free investment. For life! 🙂

    hCeRpjU
    MCVHcH9
    iCc1ucC
    QCoqcRb
    LCg6q2i

    Reply

  39. The best thing: thanks to my recommendation, you pay no management fee on the first CHF 1,000.00 of pension assets - for life! 🙌

    Simply use one of the following codes:

    QCYeNTV
    iCT5nGA
    QCRXs8A
    PCZ1fth

    Best thanks & greetings

    Reply

  45. Here are some new codes:
    vCVrqjp
    JC8qNzJ
    ECNHxhR

    As of today, you can even save the fees for the first 1000 francs invested (previously 500 CHF) with such a referral code. And if you invite more friends yourself afterwards, you can even save the fees for the first 8500 francs (previously 5500 CHF). And that for life.

    Reply

  47. Robin recommends the VIAC app for your Pillar 3a pension.

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

    The best thing: thanks to Robin's recommendation, you pay no management fee on the first CHF 1,000 of pension assets - for life! 🙌

    Use the following code when registering: xC1MzEY

    Each code can only be used once.

    Reply
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