viac invest experience with viac invest review in the test report

Viac Invest experience report

Do you have your Pillar 3a already with Viac and would actually like to invest your private assets via the app? Or are you looking for a way to invest your Invest moneywithout having to think about it too much?

Then you're in luck! Because Viac Invest was launched in December 2024. With Viac, you can now easily build up not only your 3a, but also your free assets. And at very low fees.

In our Viac Invest experience report to find out how the new offer works, whether the fees are really as low as advertised and our other test results.

📊 VIAC Invest - The most important facts at a glance
launchDecember 2024
RegulationFINMA-regulated
Minimum investmentCHF 1
Total costs p.a.0.45% - 0.52% - incl. stamp duty and FX fees
Stamp duty✅ Incl.
FX fees✅ Incl.
US withholding tax30% - DA-1 not possible
Redemption feesUp to 1,25% for emerging markets funds
TradingTuesdays only
portfoliosUp to 10
Pillar 3a / Vested benefits✅ Yes
Children's Accounts❌ No
Tax statement✅ Free of charge
Who is it suitable for?Cost-conscious investors with a focus on CHF
💡 Schwiizerfranke assessment: VIAC Invest convinces with one of the most transparent cost structures - stamp duty and FX included. The disadvantage: 30% US withholding tax without DA-1 option. If you want to optimise this, finpension is the better solution. All providers in comparison →

Table of contents

What is Viac Invest?

Viac Invest is the new Asset management function from Viac.

You probably know Viac as a securities solution for pillar 3a. Instead of parking your pension assets in a savings account with an interest rate of less than 1%, you have been able to invest your pension assets there for years. Build up pension assets with shares.

Viac has since expanded its offering and has now launched a new "Invest" product.

The way it works is exactly the same as with pillar 3a. Based on your risk appetite, you can choose a Strategy that lead to a certain percentage from shares exists. The greater your risk appetite, the higher the proportion of equities. This increases the potential return, but also the risk.

Viac Invest experience report 1

Savings and withdrawal plan

To make your Wealth accumulation Viac recommends that you set up a savings plan. You can set up a standing order with your bank and pay in a certain amount every month, for example.

You can use the savings plan calculator to work out how much you will have saved in 10, 20 or 30 years.

At a later date, you can also purchase a Withdrawal plan set up a pension plan. This allows you to receive a monthly pension or additional income. 
In practice: If you have withdrawn your pension fund assets as a lump sum, for example, you can invest them via Viac Invest and then have them paid out later as a monthly pension.

This is particularly exciting if you have paid in over many years and only have to pay out part of the expected return. For example, if you have saved CHF 1,000,000 after 30 years and only pay out CHF 30,000 a year, you will benefit from additional returns even with average performance. This means you can withdraw money and your assets can continue to work on the stock market.

Important note on hidden costs:

Depending on the fund, redemption fees are charged for strategy changes or withdrawals. While most VIAC funds have moderate fees of 0.025-0.14%, the Emerging Markets fund has a redemption fee of up to 1.25%. These fees are not prominently mentioned when advertising the total costs. If you plan to switch funds frequently, you should take this into account.

Viac Invest experience report 2

Viac Invest fees

Viac Invest offers a Flat fee to. Depending on the strategy, this is generally between 0.45 and 0.52%. This includes all custody account fees, brokerage fees, product fees, foreign currency costs and stamp duty and VAT costs.

It also includes an asset management fee of 0.25%.

Note additional tax costs: 

As VIAC only uses Swiss funds, US dividends are subject to 30% withholding tax (instead of 15% for Irish ETFs). This effectively means 0.12% higher annual costs, which are not visible in the advertised fees. In addition, no reclaim via DA-1 is possible, as is the case with Finpension offers.

You can find other, sometimes even cheaper digital asset managers in the Robo-Advisor comparison listed.

Viac Invest experience report 3

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Viac Invest Test & Experience

As you would expect from Viac, the Viac-Invest area appealing and clearly organised. If you are already using Viac's pillar 3a, you will also find your way around here, as the functionality is almost identical.

You have a free choice of strategies: you can either choose one of the suggested strategies or put together your own.
We are not yet able to provide long-term experience, but this will be added to this Viac Invest Review on an ongoing basis.

What we noticed in the practical test: 

  • Trading only on Tuesdays (not daily)
  • Payouts took 5-7 days in our test
  • Only 8-15 own funds available (no direct ETFs) 
  • Rebalancing monthly with >2% deviation

Viac Invest strategies

With the suggested strategies, you can choose between a Equity share from 20 to 99% choose. Depending on your preferences, your investment focus can also be "global", "Switzerland" or "sustainable".

In addition to the practical withdrawal plan, you can also up to 10 portfolios open an account. This is particularly suitable if you have different investment goals. For example, you can invest money that you will need in the short term over the next few years more conservatively. For assets that you are investing with a long-term investment horizon, on the other hand, you can choose a slightly more aggressive strategy.

The following also applies to Viac Invest No minimum investment amountso you can deposit as little as CHF 1

Viac Invest experience report 5

Who is Viac Invest suitable for?

Viac Invest is particularly suitable for you if you want to invest simply and passively and benefit from low fees. Thanks to the Savings plan function you can pay in money regularly and build up your assets without having to actively think about it.

And even if you prefer to have a little more influence over your investments, you can still Strategy even completely put together yourself.

Later you can use the Withdrawal plan You can also benefit from a pension or additional income.

Viac Invest Alternatives

VIAC Invest has been live since December 2024 and has proven itself in practice. If you are looking for a direct comparison, you can find it in the Robo Advisor comparison. Then we'll see how the app performs in practice.

Finpension Invest has achieved a decisive breakthrough - US withholding tax can now be reclaimed via a tax return (currently confirmed in Lucerne). This makes Finpension estimated to be 0.27% cheaper than VIAC.

Comparatively favourable alternativeswhich have been on the market for some time can be found in the Comparison of robo-advisors. For example, Finpension or True Wealth could be exciting for you. Both are on the market for some timeThe other two are more established and also offer very exciting functions and in some cases an even wider range of products.

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Conclusion of the Viac Invest experience report

Viac Invest, just like the existing offer for the 3rd pillar, is characterised by its Simple and clear user interfaceflexibly selectable strategies and attractive and Transparent fees off.

Now you can use Viac not only to build up your pension provision, but also also for your private assets use. Thanks to the extremely low fees, you also benefit twice over, as you hardly have to give up any of your capital.

Viac-Invest Code: Voucher

As part of the Schwiizerfranke community, with the VIAC Invest voucher code you receive JzyFoCf when registering (only for new customers) additional CHF 2,000 fee allowance - i.e. a total of up to CHF 4,000 excluding administration fees.

157 responses

  1. Hey 👋

    Enter my code at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge.
    Each code is only valid once.

    Codes:

    V7xJVe1
    hEXva5q

    Greetings from Sandy

    Reply

  2. Thanks for the thorough review. Overall, I find Viac Invest to be a very good solution for those of us who don’t want to spend much time on investing; it’s very easy to use and straightforward. Hopefully they can sort out the 30% withholding on US dividends...

    For anyone interested, here is a code to have CHF1,000 managed free of charge for life with Viac Invest: meLgpeh

    Reply

  3. Hi everyone
    05.07.2016

    Enter my code and benefit from 1,000.- in commission-free investing…

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    Reply

  4. Hi to you

    New Viac Code dated 5 July 2026:

    VELE8ev

    VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!

    Kind regards
    Lea

    Reply

  6. Hey 👋

    Enter my code at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge.
    Each code is only valid once.

    Codes:

    j5tGFRn
    fXbAWb3

    Greetings from Sandy

    Reply

  7. Hi to you

    New Viac Code dated 11 June 2026:

    CXN4RfP

    VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!

    Kind regards
    Steffi

    Reply

  8. Also from me some referral codes so that you get a free amount. Try these codes:
    kNMZu1T
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    Thank you very much and have fun with Viac.

    Reply
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