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.
Note: We are of course unable to provide long-term Viac Invest experience as the solution is brand new, but we are constantly updating it.
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.
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In practice: If you have withdrawn your pension fund assets as a lump sum, for example, you can invest them via Viac Invest and then have them paid out later as a monthly pension.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.
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 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%. However, Viac will waive this fee until 31 December 2025, so you will save around 50% in fees when you invest in the first year.
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.
Your key to success! Discover our top recommendations from real testimonials.
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.
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 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.
The functions of the new Viac Invest solution appear to be very exciting and clearly structured. However, we will only be able to gain real Viac Invest experience in the coming months and years. Then we will 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.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
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. The management fee will even be completely waived until 31 December 2025.
As part of the Schwiizerfranke community, with the VIAC Invest voucher code you receive SFRANKE 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.
Code if you need one: 9oJ8GQN
Hey 👋
BtoHkGW
Enter my code at the end of the registration process and VIAC will manage your first CHF 1,000 for free - for life! 🙌
Hoi zsämme,
Current codes, if one no longer works, simply try the next one:
CEhPivM
fVvrhuq
LTFg4N8
WuhvPwq
iYG78Ey
afEb6Xd
otRRx7R
Good luck, Jan
New VIAC codes:
TDy6bzJ
7ziTeFo
mZSTX5D
8g8syCo
s8ksj2R
VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
Enter my code at the end of the registration process
tzQXjPR
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Each code can only be used once.
Current codes:
jehwTvZ
VEdmTeH
FLXd6iW
C6AfK2J
Enter a code at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life!
New codes, new luck!
Enter my code at the end of the registration process - and VIAC will manage your first CHF 1,000 permanently free of charge😁
Each code is only valid once.
Code1: cyTvSWa
Code2: fni4K1u
Code3: gBqYfta
Code4: KVyfD8k
Code5: oYAwULz
Code6: DmFchqr
Greetings Silvio
New codes for you to benefit from together.
8Pc7e6D
7ewuyGQ
9LNULzE
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Each code can only be used once.
More on http://www.viac.ch
Enter my code FT2zwvn 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.
More on http://www.viac.ch
Current codes:
H3fmm7U
HBKm4wb
U5mr78W
At the end of the registration process, enter one of the codes below and VIAC will manage your first CHF 1,000 free of charge – for life!
–
Current codes: (if one no longer works, simply try the next one)
–
3iLMwfc
FqZeDmd
4iGUkf1
axCU67A
–
Thank you very much!
Best regards Sabrina
Hello,
I've been with VIAC - Invest and 3a - for over a year and I'm thrilled that I'm already pretty much back in the black after the «small» stock market slide in spring 2025 ...
Here are a few current codes for newcomers (if one no longer works, simply try the next one)
- –
hSrtcTY
oYhozqh
HC1WH7f
gfLf6Hn
cDG78GT
- –
Best wishes and good luck!
Victoria
Here is my code
WTi5nmG
VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
Current codes: (if one no longer works, simply try the next one)
- –
ByrxJTL
b4XU7wF
bPzctuz
v6BGpUX
- –
Thank you very much!
Best regards Silvia
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:
ELTM89a
7tZyjMc
Greetings from Sandy
code viac invest:
hkkFYkg / VX6VqqW / ZmXf3sL / PqsssF2
code viac column 3a: 3iJvRje / qgnwb34 / tmR26bR / 8y5dRLo
Each code can only be used once, so I have several to offer. I've been a member since 2019 and am completely satisfied.
Under "Uni Fribourg Best Pillar 3a", you will find the annual ranking of the best pillar 3a providers. Viac is almost always the test winner, so it's worth taking a look. A new report is published every year, usually around April or May... Best regards, Mia
I still have a code to use:
Code PiaWpo5
VIAC manages the first CHF 1,000 free of charge
At the end of the registration process, enter one of the codes below and VIAC will manage your first CHF 1,000 free of charge – for life!
–
Current codes: (if one no longer works, simply try the next one)
–
b4XU7wF
bPzctuz
ByrxJTL
v6BGpUX
–
Thank you very much! & Happy Holidays 🙂
Best regards, Petra
At the end of the registration process, enter one of the codes below and VIAC will manage your first CHF 1,000 free of charge – for life!
- –
Current codes: (if one no longer works, simply try the next one)
DCgzZbu
EtrGgGo
VQJjabp
fzCn14j
f1H5Bv8
Here are a few new codes for January 2026.
The codes can only be used by one person at a time, so simply try the next one.
– 9AQ2Bvk
– zd58Qt5
– sLvScvS
Best wishes and a happy new year
Maya.
Hey 👋
Do you know the VIAC app? Like me, use VIAC for your pillar 3a, vested benefits or the investment of your free assets!
At the end of the registration process, enter my code CXrGvUc and VIAC will manage your first CHF 1,000 free of charge – for life! 🙌
Each code can only be used once.
iOS: http://www.viac.ch/appstore
Android: http://www.viac.ch/playstore
Huawei: http://www.viac.ch/appgallery
Good morning, everyone.
Here is a current welcome code for VIAC
Cjw2WE5
Good luck!
Best regards
Marc
Here are some codes for allowances
zziNxsN
Hello everybody
Due to popular demand, here are a few more of my favourite special codes to save £3,000 in fees with VIAC:
tFiQWJV
poPiqUB
P36qzhn
It couldn't be cheaper! Have fun with VIAC!
Alexander
I have another code:
Gi1DeVf
Enjoy! NO fees on the first CHF 1,000.00!
At the end of the registration process, enter one of the codes below and VIAC will manage your first CHF 1,000 free of charge – for life!
–
Current codes: (if one no longer works, simply try the next one)
–
StzyQ7k
o1C3mgn
esNBzFn
PKfvb5z
–
Thank you very much! & Happy Holidays 🙂
Best regards Nicci
New Viac Code dated 25 December 2025:
GzPEM3R
VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
New Viac Code dated 17 December 2025:
KZVtyF7
VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!