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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.  

1,972 responses

  1. Your comment is waiting to be activated.

    VIAC invitation codes from 12.10.2023

    nwanF7d

    MPu16C4

    YdHcgYT

    daJ1Pt8

    Reply

  3. Enter my code at the end of the registration and VIAC will manage your first CHF 1'000 for free - for life!
    🙌

    icoJPDf

    Reply

  7. I'm new to VIAC and I really like it. Intuitive app, simple products and they are cheap too.

    Fresh codes with which you pay no fees on the first CHF 1,000 invested, for life.

    jHeqWpv
    ue2v8JH
    X57tC7S

    Reply

    1. Want to save on taxes and pay into a 3a account?
      Use these codes to save the fees on your first 1000 CHF invested when you create your new account:

      A7L3mFY

      Reply

  10. Enter my code NSWMYtU at the end of registration and VIAC will manage your first CHF 1'000 for free - for life! 🙌

    Another code E9wwYRc

    Reply

  11. ❤️ VIAC - Invest CHF 100 free of charge

    Here are the latest and unused codes as of 21 September 2023:
    vLzmJHd
    oQMM7c8
    LYLktgZ
    adZdBit
    cLmdnum

    If you enter one of these codes when registering, you can invest CHF 1000 free of charge for life.

    VIAC is really great. I have been a client myself for several years and have both my Pillar 3a and my vested benefits with VIAC. The app is top-notch and is constantly being developed. The customer service is also really outstanding. In the past, I have contacted customer service several times about various questions and concerns. Via the chat, I always received a competent and very friendly answer to my questions very quickly. I can only warmly recommend VIAC to everyone!

    Thank you for the great blog post!

    Reply

  13. Allegra,
    If you follow my recommendation, you won't pay a management fee on your first CHF 1000 of pension assets (for your pillar 3a or vested benefits) - for the rest of your life! 🙌
    Simply use one of the codes when registering: (Merci😊)

    bVHGLEb

    EoWqBUy

    zTmkUV7

    CS9MTQ8

    yjvfDjJ

    Reply

  14. Many thanks for the great contribution

    With this code you have no fees on 1000.- for life 🙂
    Have fun

    Code:
    WRHfrUd
    EQJxm4i

    Reply

  22. Thanks to my recommendation, you pay no administration fee on your first CHF 1000 of pension assets - for life! 🙌
    Just use my following code when registering: W9EeY33

    Reply

  23. Allegra :))
    Thanks to my recommendation, you pay no management fee on your first CHF 1,000 in pension assets (for your pillar 3a or vested benefits) - for the rest of your life! 🙌
    Simply use one of the codes when registering:

    kARFfAY

    Uebqc7j

    HWijRZ7

    AsMk25e

    a1LFUwS

    Reply

  26. If you decide to join VIAC after reading this great article, you will pay no administration fee on your first 1000 francs for life with the following code:

    Code: oZZpZds

    Reply

  27. Many thanks for the well-founded contribution! Enclosed is a fresh code so that you don't pay an administration fee on the first CHF 1000 of pension assets - for life! 🙌

    Yes15csi

    Reply

  29. Referral for no administration fee on your first CHF 1'000.00 pension assets for a lifetime!!!!
    Use the following (18Aug2023) code to register: TYnbEBg

    Reply

  33. Although I have little experience, I have already been able to achieve great success with VIAC and massively increase my returns compared to the bank solution (invested for 3 years). If you would also like to benefit from this and have your first CHF 1,000.00 managed free of charge for a lifetime, then use one of the codes below:

    Gd1QSZ4
    7Lz3AJb
    1SqUvxf

    Reply

  34. Hello everybody
    Enclosed are current VIAC codes for your registration (07/2023):
    e5HVQW1
    KG4mzmv
    uM5m8Tr
    MZqkH2M
    LgUkz7w

    Reply

  36. The second pillar (vested benefits) has long been added since this test, interest rates have risen in the meantime and fees have fallen further 🙂
    For the first CHF 1000 even completely free of charge with this code: jpyiPdN

    Reply

  37. Hello everybody
    I am happy to offer you new codes here (8 July) so that you too can benefit with VIAC:

    cMjYUeA
    BFwn3DC
    j69K7YH
    UBGEsRf
    GyNzw7F
    cihVG77

    Have fun
    Thomas

    Reply

  38. Hello dear people, here again three codes for an opening at VIAC:

    oYhUMF1

    qHzD4hM

    bLfJotv

    Greetings, Claudia

    Reply

  40. Here's a fresh VIAC code from 07.07.2023. With it, you pay no administration fee on the first CHF 1000 of pension assets - for life!

    d4Sp8D3
    21Eb4FF
    4E2uRqr

    Reply

  42. Here are some new codes so that no administration fee has to be paid on the first CHF 1,000.00 of pension assets - for life! 🙌

    Use one of the following codes when registering:
    RU6xKPA
    vXRKFJC
    STT18GS
    Each code works only once - first come, first served

    Reply

    1. Hello dear ones

      Here are fresh codes to use 25.8.2022

      You pay no administration fee on the first CHF 1000 of pension assets - for life! 🙌

      je1qGD6
      WXBewLi
      cCmMaPq

      Each code can only be used once.

      Reply

  44. Thanks to my recommendation, you pay no management fee on your first CHF 1,000 in pension assets - for life! 🙌
    Simply use one of the following codes when registering:

    sNGv7w6

    SHn4cdx

    rNNGDEd

    nbvsSdm

    P5eKcdM

    Reply

  49. Hello everybody

    Here is a fresh VIAC code from 20 June 2023, which means you pay no administration fee on the first CHF 1000 of pension assets - for life! 🙌

    Code: d3xLx24

    Reply
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