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!
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.
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.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
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.
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.
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.
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.
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.
Your key to success! Discover our top recommendations from real testimonials.
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.
Here are three more of my codes:
hCsYt2a
BCoJZ9Y
QCzF8TJ
Greetings,
Manu
Hello savings friends
here are some new referral codes for VIAC, to save on the first CHF 500 without administration fee:
NCYg49D
SCPdLMH
pCzk3gr
LC8ekyu
QC68DH5
Greetings
Ruben
If anyone still needs codes to save on the fees - I still have these codes left:
VCq6iCm
PCKkykX
SC6Y3IO
MCY8ygR
Have fun saving together!
Thank you very much for the great blog! Here are my codes:
Use the following code for registration: kCr84ND
A new code:
TC5l5Eu
Many thanks
I can also recommend Viac 🙂
Here are a few registration codes to get a bonus as well:
5Cpg1Dj
ICd1xuS
NCBmUfl
...and a few new codes:
mCVqRW5
hCSuBdS
jCVeDC1
gCib4wl
JCZNuQH
Hello everybody
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
Hello everybody
Thanks for the article.
Here's my code: DCdQpzT
Thanks for your report! After reviewing the Viac website and reading your report, I decided to go with Viac.
Here are my codes to save and treat together 😉
cCvE0cR
vCQEDld
3CKaaGd
ZCTUYZt
YCQdz02
Greetings, Gilbert
Thanks who used the code! 😊 Let's treat ourselves now together 🥸
Merci for the field report! Enclosed are my codes:
eCrBuhH
kCrn47s
8Ce6U9N
ECE3CFX
TCVwcIN
2CFfVb3
9CfzvBw
Here are 3 brand new codes for registering with VIAC 🙂. If you use one of them, we can both benefit from lower fees, thank you very much!
0CUDwzI
sCJ90bP
RCdVxwu
Here are my codes too:
FCBYtUJ
ECBZu7b
eCvaL3S
Thanks for the report! I chose Viac because of your report.
Here is my code to manage the first 500 CHF for free:
BCj5HQK
Thanks, who used the code!
Here is the next code to save:
0CnJi5f
And here are the other savings codes:
pCH7jPD
ECEYJ5C
ICPDTjV
VCps8UC
2CYnTeN
Have fun!
Great thing low cost and best possible return on investment. I am super satisfied so far. I have several 3a accounts and therefore real comparison. I for myself will migrate here until further notice after the positive experiences.
For all of you who are still following this idea before the end of the year, here are my last codes:
aCz5Cvt
zCU3E2
Cheers Andreas
Here are my codes, let's save together 🙂
hCuEGzS
rCHxDGR
0Ck0ab5
ZC3zC0y
Great article, this helped me to decide to go with VIAC instead of Frankly.
If you are joining the VIAC family you can use this code:
jCHXTFB
Thanks for the information! Here are my codes:
RCOrYWf
dCRNgT1
nCd6vnk
HCQrKoB
kC1NI8z
LG Adrian
Thank you very much for the report.
Here's a new code:
jCwhBvY
Greetings,
Franziska
Thanks for the report!
Here is a new code from me: oCHMd9A
Greetings Manu
I think VIAC is great too
Here's a new code:
RCByvKg
If you also want to save fees with VIAC (free administration of 500.-), you can enter the following new code during registration:
nCtjrY7
Have fun saving together 🙂
pCdOJ4t
Do you want to pay even less fees at VIAC? Then use the following new code when you register:
fCo5VDZ
Use one of the following codes when registering:
qChbKRB
LCm5hv6
Then you pay no administration fee on the first CHF 500 of pension assets - for life! 🙌
Hello Together
Viac is really a great solution.
Saving together is always fun!
Here's my code:
1CETb4y
Have fun
Best regards
Simon
Thank you very much for the report. Here are my codes:
pCEs1ud
1CqdvUI
Greetings
Ben
Hello
I have here new codes for the free administration of 500.00 Fr. by VIAC. You are welcome to use them:
qCVJd7i
CCXaDWI
pCfeA5I
OC0p4o9
VC7ElKS
A new code:
ZCJqPez
Many thanks
Brigitte
New codes:
QCYellQ
gCWdeXq
8CIP5JF
Have fun!
Do you want to have your 500th account managed by VIAC free of charge (for a lifetime)? Then enter the following new code during registration:
rCxCPy0
Code for lifelong free administration of 500 at VIAC:
KCZfUOw
✌️
I have generated two new codes for the free administration of CHF 500.00 by VIAC. You are welcome to use them:
yCatTG6
uCFeeDC
New codes:
bCBAWNC
QClzYxt
NCxu28i
Merci for the field report! Enclosed are my codes:
yCn29bB
OCbbgBr
HC5134T
wCH4aQ3
jCE7qiS
A brand new code to benefit for life from even lower fees with VIAC (enter when opening an account):
2CRH2SO
Thanks for the report, here are my codes too
SCmfYSM
7ChVBzQ
RCEJV0Q
LG Stefan
My codes:
eCy1ZLV
3CF5Jqi
And the best thing is: Thanks to this recommendation, you pay no administration fee on the first CHF 500.00 of pension assets - for life! 🙌
Use the following code for registration: FCJuMrp
My code:
JCUnTVq
Greetings
Jan
Fresh code:
JCUnTVq
Greetings
Kerli
Super performance so far +7%!
sCFzZpM
QCVSucI
wCkTTV7
iCJVtlO
What more could you want 🙂
A new code:
iClTZ9Q
Many thanks
Urs
With this code you will not pay any administration fees on the first CHF 500.
pCEM1yZ
5CIBTxP
300 comments - mainly exchanged Viac invitation codes and Viac experiences 🙂 mega, how well the exchange takes place here and everyone finds & generates added value!
With this code, you will pay even less fees (500.- free of charge) with VIAC for the rest of your life (enter during registration):
5CB4eUW
Here are my codes to save money, treat yourself 🙂
mC9JCDI
gCvq0AN
xCAKg3K
7C7MZfm
Hello Together
Viac is really a great solution.
Saving together is always fun!
Here are my codes:
gCE68xP
Have fun
Best regards
Simon
Enter this code at VIAC registration and save a lifetime of fees:
OCHob7d
Thank you very much for the report. Here are my codes:
lCC52Fo
yCVuSdj
JCgktOY
bCk7fI2
dCttLdx
UC9wl9A
Greetings
Nicolas
The best thing: thanks to this recommendation, you pay no administration fee on the first CHF 500.00 of pension assets - for life! 🙌
Use the following code for registration:
PCiC0aN
bCgPcr6
9CT4Ncz
Greetings
Simone