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In practice: If you have withdrawn your pension fund assets as a lump sum, for example, you can invest them via Viac Invest and then have them paid out later as a monthly pension.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.
New Viac Invest codes:
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VIAC manages your first CHF 1,000 free of charge - for life!
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! 🙌
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Current codes: (if one no longer works, simply try the next one)
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–
Thank you very much 🙂
Best regards Nicci
New Viac Code dated 11 December 2025:
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VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
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.
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Greetings from Sandy
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More on http://www.viac.ch
New Viac Code dated 29 November 2025:
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VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
Hi to you
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VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
New Viac codes:
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VIAC manages your first CHF 1,000 free of charge - for life! Have fun with it 😊!
VIAC is a great way to get the most out of your 3a pillar. 💰
Use one of these codes to receive a welcome bonus!
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Here are a few current VIAC codes for newcomers:
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VIAC manages your first CHF 1,000 free of charge - for life! 🙌
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iOS: http://www.viac.ch/appstore
Android: http://www.viac.ch/playstore
Huawei: http://www.viac.ch/appgallery
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Each code is only valid once.
Codes:
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Greetings from Sandy