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.

161 responses

  1. Hello everybody

    I use Viac and am happy to recommend it to others. Enter my code 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. Here are my codes:
    A1y8BBa
    MQ56qmP
    q6S3t93
    jCgCTeE
    FPoNyBu
    2fo8XDU

    Good luck with your finances & greetings
    Birgit

    Reply

  2. I can only recommend Viac, I am very enthusiastic.

    Enter my code 4MkgMoS at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌

    Here are more codes, you benefit every year
    4MkgMoS
    4FtqrPd
    RetAVXe

    Reply

    1. If you would like to benefit when you register, please use the following codes:

      v4SQaH6

      Have fun!

      Reply

  3. Hey 👋

    Enter one of my codes at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌

    Each code can only be used once.

    EysRm85
    6MHM5Cf
    Pg4sV7Z
    RBk4Wz6
    s5NY8pv

    Reply

  4. Hi all,

    Here are two additional VIAC referrals codes that can be used to open a VIAC 3rd A Pillar account:

    FFB3owN

    oYW4KWr

    Thanks and have a nice day!

    Reply

  6. Each voucher is only valid once. You save the fees on CHF 1,000 of your invested capital for the rest of your life:

    cPTsjW5
    ZoM8JZ2
    QoAn4UJ
    gCm6apJ
    FPz1Wum

    Reply

  7. Hey dear friends, here are the latest codes for 1,000 francs in fees for free.
    Each code can only be used once.

    u96ZUhM
    MKbtCJ1
    dNx35RD

    Very dear greetings
    Mary

    Reply

  8. I can also provide an invitation code, which can be entered at the end of the registration process, and you'll have another CHF 1,000 invested free of charge for life ;-> Sounds cool, and it is.

    s7dQ8kc
    2JtPri7
    LP7UYxp

    Reply

  9. Enter one of the codes below at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
    –
    Current codes: (if one no longer works, simply try the next one)
    –
    DzgcTfe
    imxcU4s
    xBnARQf
    –
    Thank you very much 🙂
    Best regards Nicci

    Reply

  10. Hey 👋

    Enter one of my codes at the end of the registration process:

    Qqybs2x

    2xxeG47

    Rb42Psx

    and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌

    Reply

  11. Hi all,

    Here are three fresh VIAC referrals codes that can be used by newcomers:
    .
    PixW47q
    eiXXCN3
    XLX6sAE
    .
    I am really very satisfied with my VIAC 3rd A-Pillar portfolio, and I have recently opened VIAC Invest, as well. VIAC interface is easy to use and so far the support team provided prompt and clear answers whenever I asked a question.

    Reply

  12. Hello

    Enter my code at the end of the registration and VIAC will manage your first CHF 1,000 for free - for life! 🙌
    Current codes: (if one no longer works, simply try the next one)

    RtgRJ1b
    hytMA49
    oJvy7iP
    NU2NExL

    Thank you

    Reply

  13. Enter one of the codes below at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌

    Current codes: (if one no longer works, simply try the next one)

    savvhxs
    Veh8unp
    yTmKafy
    QsikgnZ

    Thank you so much 🙂
    Best regards Silvia

    Reply

  15. If you want to open an account, it would be great if you could use one of my codes:

    j9owNVJ

    8hHbyRb

    gKHEA7A

    4GNECaS

    thank you very much ☺️🫶🏼🙏🏼

    Reply

  17. Hi to you

    Enter my code at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌

    Current codes: (if one no longer works, simply try the next one)

    67r7vH5
    qNU5GSm
    ALUJoW7
    9az6yTu
    ugWuxrY
    frQbRfR

    Thank you very much 🙂
    LG Tom

    Reply

  18. If you want to save on fees, enter my code at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙂

    ec8PXEs
    RGqPD28
    kr4K4Qr
    jBEzyLt

    Reply

  19. My experience with Viac:
    - opens in a few minutes.
    - Support responds reliably to all questions within minutes
    - Fast deposits and withdrawals
    - you can create your own strategy with Viac Invest and invest as you wish!
    - More favourable than ETF savings plans from Findependent, Salma ect.

    Let's save fees together, enter a code at the end of the registration and you will pay no fees on the first 1000 francs invested for life (at the beginning of 2025 even the first 3000.- are free). Each code can only be used once:

    Yn2rsba
    YRdfSBY
    MdzkZFU
    JAacsF8
    taRtazd
    mnaZCGC

    Reply

  20. Want to save on fees? Enter a code at the end of registration and VIAC will manage your first CHF 1,000 free of charge - for life! 🙂
    TAsCc7V
    ArSwbfj
    We4Wjxv
    QQ1yx1o
    aiHHfxD
    Vp7e1WQ
    Q6x2SVd

    Reply

  22. Recently started using VIAC 3a and Invest. I switched from Inyova because of its poor performance and have been very satisfied so far.

    Here are a few more codes to benefit from together.
    WUm1SDT
    mAMtVhf
    CW5ptXy
    YrrJnzN
    wxaJDiT
    2LPNz4i

    LG
    Martin

    Reply

  23. Hoi

    I also use VIAC 3a and more recently VIAC Invest - I can recommend it!

    Here are my friendship codes (21/01/2025):
    ikSpYF7
    uquEUkm
    5vMnA2u
    oawbc8H
    eccHHF9

    Kind regards
    Victoria

    Reply

  25. Enter my code at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
    Code
    oJi4iHX
    Z1n58GH
    PAPFm6m
    j37zh3n
    ybLPjRb

    Reply

  26. The app is worlds better than the competition! Use the following code when registering: tx1YUov This way you pay no administration fee on the first CHF 1000 of pension assets - for life! 🙌 Use the following alternative codes when registering if the first one has already been used: H1JD3rY / vqYnC5L /
    WZN4MFH / 3BZAGSp

    Reply

  27. The app is worlds better than the competition! Use the following code when registering: tx1YUov This way you pay no administration fee on the first CHF 1000 of pension assets - for life! 🙌 Use the following alternative codes when registering if the first one has already been used: H1JD3rY / vqYnC5L /
    WZN4MFH / 3BZAGSp

    Reply

  28. Thanks to Anne for the comment: I am now trying out the Invest function as well. If anyone else is interested in a code : cAH7nYu / 7D51h8t

    Reply

  29. If you want to save on fees, enter my code at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙂

    ec8PXEs
    RGqPD28
    kr4K4Qr
    jBEzyLt

    Reply

  30. Enter the code at the end of the registration process:
    vMeV6Df
    and VIAC will manage your first CHF 1,000 free of charge - for life! 🙌

    Reply

  33. Not yet a VIAC member?
    Then use one of the following codes when registering and VIAC will manage your first CHF 1,000 free of charge - for life!

    xqP52zr
    8Qcim8z
    HsCDQwL
    eHqmJPE
    Mdipbiz

    Reply

  34. Hey

    Like me, use VIAC for your pillar 3a, vested benefits or the investment of your free assets!

    Enter my code QifwRnB at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌

    Many thanks

    Reply

  35. Manage 5 new registration codes (January 2025) for CHF 1,000CHF free of charge for life in pillar 3a:
    v5s5QDU
    Ft333FP
    RFxN7xm
    GgSgwqw
    Z83bX4f

    Reply

  36. Thank you for the review !

    For everyone in search of a fresh promo code, here are a few (1000 CHF free of charge) :

    XogiHG6
    4hc2wnf
    CUSTOMER

    Reply

  37. Thank you for the informative review!

    I registered with Viac Invest and also have some promo-codes to share:

    Fajxy61
    6ojKsEP
    Sjt1UbV

    Enter one of the codes at the end of registration and VIAC will manage your first CHF 1,000 free of charge for life!

    Reply

  39. Thanks for the summary. As always, very well explained!

    Here are a few fresh codes to benefit from together.

    A6dBSzp
    SK4Xj7y
    BdpcfTW
    XgR9Zmq

    Thank you and good luck
    Marco

    Reply

  40. Good thing. I set it up myself straight away. Here are also a few codes for the free administration of the first 1,000 francs. LG

    njmQwTt
    ByXeMfm
    53d4N4U
    xi6SGQD
    4ngQyhv

    Reply

  41. Here are some new codes that you can use to manage your first CHF 1000 free of charge:

    2g6RLQ5
    bHfz494
    gXoE2mt
    JGqTMsv

    Thank you very much!
    Cristian

    Reply

  42. Here are some new codes that you can use to manage your first CHF 1000 free of charge:

    2g6RLQ5
    bHfz494
    gXoE2mt
    JGqTMsv

    Thank you very much!
    Cristian

    Reply

  43. Thank you for the well-founded and quick report and comparison!
    The subtle differences in detail between Finpension and VIAC need to be emphasised again here.

    Here are a few fresh codes to benefit from together:

    UfZHEqq
    9t7CzfL
    6PybnUY
    6i5mMNs

    CHF 1000 managed free of charge - for life. Simply enter at the end of the registration process.
    (Upper and lower case - may make the difference here. 😉 )
    apply to VIAC universal: Pillar 3a and also Invest

    Happy saving!

    Reply

  44. Enter my code at the end of the registration and VIAC will manage your first CHF 1,000 for free - for life! 🙌

    t1JW8Z7
    afbVubw
    oxrWnHt

    Reply

  45. Enter my code at the end of the registration and VIAC will manage your first CHF 1,000 for free - for life! 🙌

    Code 1: MbiVzAv
    Code 2: wrV1Y8J
    Code 3: ywnvjme

    Reply

  46. I grabbed the 2000 allowance for the leek. However, Viac actually came a bit too late - as I started 3b at finpension a few months ago...

    Hm, the differences now lie in the details:
    finpension with index funds, reduced US withholding tax for US investments, but with currency exchange and stamp duty. Very low TER, but slightly higher custody fee.
    You started with the 2nd pillar (1e plan, vested benefits) and added 3a and free assets.
    Viac with 30% US withholding tax, but no stamp duty because own CH index funds and no currency exchange. Higher TER in the funds, but lower custody fee.
    The start here was with pillar 3a, then vested benefits and free assets later.

    Overall, the two probably cost pretty much the same - around 0.49%.
    I think they are well suited for beginners thanks to a savings plan and without a minimum deposit, with rebalancing etc. If the fees become too high (and you have more experience), you might want to move to ETFs with a broker with a (naturally more favourable) flat fee...

    The fact that finpension immediately followed up on "Viac waives the 0.25% fee in the first year" and is now "cancelling the entire 0.39% fee holiday in 2025" is of course good for us 😉

    Reply

  47. I grabbed the 2000 allowance for the leek. However, Viac actually came a bit too late - as I started 3b at finpension a few months ago...
    Hm, the differences now lie in the details:
    finpension with index funds, reduced US withholding tax for US investments, but with currency exchange and stamp duty. Very low TER, but slightly higher custody account fee. You started with the 2nd pillar (1e plan, vested benefits) and added 3a and free assets.
    Viac with 30% US withholding tax, but no stamp duty because own CH index funds and no currency exchange. Higher TER in the funds, but lower custody account fee. Here was the start with pillar 3a, then vested benefits and free assets later.
    Overall, the two probably cost pretty much the same - around 0.49%. I think they're good for getting started thanks to a savings plan and no minimum deposit, with rebalancing etc. If the fees become too high (and you have more experience), perhaps a move to ETFs with a broker with a (then of course more favourable) flat fee is in order...

    The fact that finpension immediately followed up on "Viac waives the 0.25% fee in the first year" and is now "cancelling the entire 0.39% fee holiday in 2025" is of course good for us 😉
    If you're just getting in now, you can get even cheaper with my codes - hopefully allowed here - for Viac 4ziT24y, sWPhZop, nThK1Sd, eLmNgAf, SVypHZG or for finpension

    Reply

  48. Favourable portfolio strategies - use promocode
    Simple, favourable and flexible securities investments in Invest or Save 3. use the PromoCode for 1000. allowance.

    Enter one of the codes CxSEAJ8, QhKboUz, ewgafRd, nUtEFwN, zKHv4bo at the end of registration and VIAC will manage your first CHF 1,000 free of charge - for life! Each code can only be used once.

    Reply

  49. Does anyone else need a viac invitation code?

    Enter my code zBpX3Gq at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge.

    Reply

  50. I was also somewhat surprised when VIAC Invest recently appeared as a new menu item. It makes total sense to launch this product after VIAC 3A and vested benefits have been successfully offered for years. I think it's a very solid product for people who don't want to worry too much. VIAC is going the other way round from TrueWealth, which only offered 3b for a long time and is now also offering 3a. A very exciting market development.
    What speaks against it for me personally is simple diversification of my investments. 3A and vested benefits are VIAC, but I leave 3b with two other providers.

    Reply
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