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

  2. 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

    Reply

  3. If anyone still needs codes to save on the fees - I still have these codes left:

    VCq6iCm
    PCKkykX
    SC6Y3IO
    MCY8ygR

    Have fun saving together!

    Reply

  4. Thank you very much for the great blog! Here are my codes:

    Use the following code for registration: kCr84ND

    Reply

  6. I can also recommend Viac 🙂
    Here are a few registration codes to get a bonus as well:
    5Cpg1Dj
    ICd1xuS
    NCBmUfl

    Reply

  8. 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

    Reply

  10. 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

    Reply

  12. 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

    Reply

  14. Thanks for the report! I chose Viac because of your report.
    Here is my code to manage the first 500 CHF for free:
    BCj5HQK

    Reply

  15. 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

    Reply

  17. 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

    Reply

  22. If you also want to save fees with VIAC (free administration of 500.-), you can enter the following new code during registration:

    nCtjrY7

    Reply

  25. 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! 🙌

    Reply

  26. Hello Together
    Viac is really a great solution.
    Saving together is always fun!
    Here's my code:
    1CETb4y

    Have fun
    Best regards
    Simon

    Reply

  28. 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

    Reply

  31. 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

    Reply

  33. I have generated two new codes for the free administration of CHF 500.00 by VIAC. You are welcome to use them:

    yCatTG6

    uCFeeDC

    Reply

  36. A brand new code to benefit for life from even lower fees with VIAC (enter when opening an account):
    2CRH2SO

    Reply

  39. 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

    Reply

    1. 300 comments - mainly exchanged Viac invitation codes and Viac experiences 🙂 mega, how well the exchange takes place here and everyone finds & generates added value!

      Reply

  45. 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

    Reply

  47. Hello Together
    Viac is really a great solution.
    Saving together is always fun!
    Here are my codes:
    gCE68xP

    Have fun
    Best regards
    Simon

    Reply

  49. Thank you very much for the report. Here are my codes:

    lCC52Fo
    yCVuSdj
    JCgktOY
    bCk7fI2
    dCttLdx
    UC9wl9A

    Greetings
    Nicolas

    Reply

  50. 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

    Reply
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