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.
And here are some more codes as the upper ones have already been used up:
2T88HxN
JtBu6Rw
CpzuwjL
bVBciTF
JbUw2h5
Thanks for the codes, here are a few new ones:
AVuUDCY
787SCmD
Vt3cB5Z
5k63VDy
gS3LjKB
Hello Together
In the meantime, I have also decided in favour of VIAC and have one more code to contribute:
orHYGwN
th6VmGj
dnUYetj
Merry Christmas
Hello Together
Many thanks for the great article!
If anyone else needs a code:
aZ4Hti2
Yours sincerely
Silvia
Sali zämme!
Register with Viac and have your first CHF 1,000 managed free of charge - for life! 🙌
Use one of my codes for this:
DqqDXqm
6vSA5U8
Dxz5mc4
Hello @all 👋🏻
You are welcome to use one of the following codes when opening a 3a pension plan with VIAC. The first CHF 1,000 are managed free of charge for life.
bfomSFo
uU65VTV
2vsT6eo
LG & en schöna obed eu!
Sebastian
I have been with Viac for years and am very satisfied.
If anyone still needs a code:
WewnexH
V8iGAqg
1JKJqnq
2VanLQa
Simply enter it at the end of the registration process and Viac will manage your first Fr. 1000 free of charge.
A new code:
CsevSJq
Thanks for sharing the codes and the in-depth article!
I'm happy to share free assets:
xRcuXnA
RMZnXpS
yNTmDKU
gVrLpQr
Enter at the end of registration. Applies equally to VIAC 3a and VIAC Invest.
Happy buy and hold! 🙂
Registration went really well. Thanks for the codes! Deposit credited directly the following day
Anyone who still wants to pay in and benefit this year:
Here are a few more codes:
UfZHEqq
9t7CzfL
6PybnUY
6i5mMNs
CHF 1000 managed free of charge - for life. Simply enter at the end of the registration process. (According to Viac, this can be used for VIAC Invest and 3a universal in the registration process)
Thanks for the great article and the explanation! I opened the 3a account with VIAC yesterday and the deposit has already been booked today. Really great performance of the booking from one day to the next.
Payments received up to and including 29 December 2024 can therefore still be taken into account as a payment for pillar 3a in 2024.
Enclosed are a few codes for the free lifelong management of a CHF 1000 allowance.
Simply enter the code at the end of the registration process and VIAC will manage the first CHF 1,000 free of charge - for life!
Anyone who would still like to pay in this year and benefit together:
xRcuXnA
RMZnXpS
yNTmDKU
gVrLpQr
Each code can only be used once. So please reply to this comment to tell us which code you have used so that the next ones can also benefit. Thank you 🙂
Capitalisation makes all the difference. 😉
Hey 👋
I did it myself, it works perfectly and I can highly recommend it.
Enter my code at the end of the registration process
eegv8fe
and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌
Each code can only be used once.
A new code:
um6qzZD
New fresh VIAC codes as of December 13, 2024:
vhG1Mdu
mM64sZG
I can really only recommend VIAC.
What's also great is that you can now open an investment account outside the 3rd pillar at extremely favourable conditions.
Here are a few more codes from me:
ifwDm6y
5LGHoBa
mXS6Zto
QZ9V8mk
tsm5is
Have a nice day everyone!
A few codes from me too:
DzVxA7w
GP3CMSy
qond66F
Hi, everybody.
The following VIAC codes are available for one-time use:
wgW7oZL
KupekHT
up85K7w
bEReN14
This way you can manage the 1000CHF for free for the rest of your life.
Good luck!
Greetings Dani
Enter my code below at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌
Each code can only be used once:
rgfPkai
SkMfXiC
rCXirTS
jrRR6d7
h8M65kb
I can also recommend it, it works perfectly.
I still have codes too!
Good luck with your investment!
CdMvzvW
mhZf5fA
WriijZw
6XPB6Fs
acgaBmU
Hey
Enter my code at VIAC and save - no fees on the first 1000 CHF.
Each code is only valid once.
Current Welcome Codes 2024:
TsQD5QU
zzj3rh2
Greetings from your Mia