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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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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.  

2,012 responses

  3. Many thanks for the great experience report. With VIAC the 3rd pillar is really fun. The registration and the operation is very easy.
    Please use one of the following friend codes when you register with VIAC. We both benefit from this.
    9CZ5exC
    RCUBkld
    VCSfkCc
    jCV0cd7
    cC0x5X8

    Reply

  6. Hello everybody

    When registering, use ONE of the following codes:
    ZC7cCht
    YCTT7Ks
    WCh7qGP
    OCRaQKj
    cCLEDz3
    uCTQGY4
    You pay no administration fee on the first CHF 500.00 of pension assets - for life! 🙌
    If one code does not work, try the next one.

    Merci+Greeting
    Mario

    Reply

  7. Thank you very much for using my code and for letting us benefit from it together:
    1CIlr2u
    RCm9mvO
    ADClJuuM
    bCzNvfb

    Kind regards

    Andy

    Reply

  13. Hello everybody

    aCWBlyb
    dCE0Dqi
    SCZd8DF
    sCFFp9v
    7CRLR9p

    You are welcome to use the codes and there is no administration fee on the first CHF 500.00 of pension assets - for life.

    Greetings Enric

    Reply

  14. Here are some unused codes of mine. I've been using VIAC for almost two years and I'm completely satisfied.

    DCqTXaj
    VIDCqTXaj
    NCBZ5Qk

    Reply

  17. For registration with VIAC the following codes:

    BCXIqkw (large i or small L)
    CCLN9FU
    sCLstmO (capital o or number 0)
    HCCysva
    OCofcxR (capital o or number 0)

    Many thanks and best regards
    Jasmine

    Reply

  20. To register with VIAC, use one of these new codes and save:

    HCD6LmE
    LCuADe6

    Many thanks and best regards
    Corinne

    Reply

  21. VIAC voucher code (October/November 2020) for the first CHF 500 without administration fee

    FCqzVrS
    yCG9UoG
    ECub51d
    9CuuTgF
    wC2biLE

    When registering, keep one of these codes on http://www.viac.ch and enter it when prompted.

    Later, you can invest up to CHF 5000 more, for a lifetime without administrative costs. Each code can only be used once. So try the next code if someone else was faster.

    Reply

  23. Here are some unused codes of mine. I've been using VIAC for almost two years and I'm completely satisfied.

    DCqTXaj
    VIDCqTXaj
    NCBZ5Qk

    Reply

  39. Thanks for the article!
    Here are some new codes to save together on the administration fees:
    hCcDUwL
    eCoc6jP
    JC69JbF
    JCZI7pX
    mC6Y4yf

    Reply

  40. Great article. I am absolutely satisfied with Viac and can only recommend it.

    My codes to profit
    uCusmun
    ICqjucw

    Cheers

    Reply

  47. Hot off the press unused codes for Viac 😊 I would be happy if you need Viac via my code! For you there are 500.- without administration costs and for me too. Merci!

    eCulLr5
    MCxRzRe
    wctKb7e
    QCuuTXi
    jCMs7xw
    ACL9xka
    XC3tJlE
    FC1WEop
    BCCBjAG

    Reply

  49. Thanks for the article 🙂

    Here 2 current code (= no administration costs on 500 CHF):
    dC8msJG
    QCY2tTW

    Reply

  50. Hello everybody

    Use the following code for registration: NC2XTwC

    You pay no administration fee on the first CHF 500.00 of pension assets - for life! 🙌

    Greetings
    Erich

    Reply
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