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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.
1,716 responses
Please use this code 🙂
98XNHAV
Please use this code 🙂
FAKMxrL
Hi everyone,
I only have 2 codes left, and I would be happy to share with you guys!
QpjoSXh
yoigfeH
Hi Zämme
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.
rW63hge
LG MArco
Hey, was able to use the code here from Lara, now gladly offer mine:
Enter my code at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life!
UDfyupP
JYewnaE
7gjDaZw
Thank you for helping 🙂
Hello everyone,
Enclosed my VIAC friends code: rW63hge
Have fun saving 😉
LG
Tom
Hi to you
You are welcome to use one of the following codes when opening your pillar 3a with VIAC so that your first CHF 1,000 can be managed free of charge.
RDCikiZ
Thanks for the good report. As I have used a code from a commenter myself, I would be happy to use one of my codes:
vKLDLQG
a64UGBT
s2oN67X
I also have a few new friend codes:
iQiracj
A6Vntq9
yfEeYqW
Hi to you
You are welcome to use one of the following codes when opening your pillar 3a with VIAC so that your first CHF 1,000 can be managed free of charge.
RDCikiZ
Current codes:
uSydMu7
UT3AVxo
YvPPC1G
Here are a few fresh friend codes (enter at the end of the registration process and VIAC will manage your first CHF 1000 free of charge):
tk2ioac
FV9Jace
7upAsqX
U4wSkJh
Good morning ☕️
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.
2mooTEL
VZ1nAjB
xdQdmRb
LG & en schöna tag eu!
Sebastian
A current code from me: uzhxu8c
A few more codes from me
RsGUwgU
1kuZNV7
cfYSXJ2
Hi,
Here are some current codes:
nKkhZyX
JRNWjTM
6d8sz4v
Kind regards
Hi
Here are 3 codes you can enter when registering with VIAC to save a lifetime of fees on the first CHF 1,000:
eZdobSC
VivURET
PFvpoJm
LG
Hi to you
You are welcome to use one of the following codes when opening your pillar 3a with VIAC so that your first CHF 1,000 can be managed free of charge.
7X4TfK8 (23 April 24)
jAgM622
oSqXb7g
Cordially
Nina
Hi thrifty foxes
Here are two current codes (April 2024) with which you pay no fees for the first CHF 1,000!
GeFpuc4
CbT83ep
Good luck with your investing 🙂
Your Susi
New Viac codes:
B4aSGWQ
YQCjgUh
KncG2Qv
Enter the code at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life!
Please use this code 🙂
V3gftHY
Use VIAC for your Pillar 3a like I do!
Enter my Code at the end of the registration and VIAC will manage your first CHF 1'000 for free - for life! 🙌
dVT6Ub1
Hello everyone,
Would you like to benefit from a tax-free allowance?
Enter one of the following codes at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life.
99K6aNS
qa81Zzt
7LTZwyF
PPwqYrq
ktmyoX5
Many thanks
Hello,
Do you know the VIAC app? Like me, use VIAC for your pillar 3a or vested benefits!
Enter one of these 7-digit codes at the end of the registration process,
hCtz5FE
HYzU1ai
VcQr7Lm
ddV71EK
and VIAC manages your first CHF 1,000 free of charge - for life! 🙌
Used a code from a comment myself and thanks for using one of my codes.
qWwLG3W
gcU4Wdt
Best regards
Ciao, wör mi rieeesig freuen wenn alli andere Code ignoriersch und stattdesse eifach mine nimmsch 🤝😉
9DnsAma
Thank you and greetings
Villiger
VIAC code: rspss98, kyXKxcu, DfBJynU
Here are my valid codes for you! And VIAC will manage your first CHF 1'000 for free - for life! Happy Investment!
ZCXmVoV
RE3ngLT
ardHhzx
For all those who want to use VIAC: Enter one of the following codes at the end of registration (all generated on 18.03.2024) and VIAC will administer your first CHF 1,000 free of charge - for life!
2jCAM3k
KbynMde
qoG5HAp
x39DC1d
o9inUWG
I'm happy to share another code so that someone can have their first CHF 1,000 managed by VIAC free of charge - for life! 🙌
Simply enter the following code at the end of the registration process:
U99ZKgU
The code can only be used once.
Here is a code you can use to save CHF 1,000 in fees
8uYepgF
Have fun 🙂
Hey, here is my friend code which has not been used yet:
8uYepgF
Have fun 🙂
Here are two VIAC codes for you for free account management:
HszLEfq
j9hVGqC
Here are 3 codes for new VIAC customers to save CHF 1,000 in fees:
S8hif91
wUKQoyr
Zd4CRZh
Have fun using it
Fresh Viac code from 4 March 2024:
ryJhn2Q
Your first CHF 1,000 without fees!
Current codes:
E4vz1DN
5TmevFw
Lg
Hello 👋
3 codes for you to save CHF 1,000 in fees🙌
NGNjbvS
2pSqC17
cCupfnH
Have fun with it!
Hey everyone,
here are my codes:
bf7QPZm
3QjdDaH
vBsDmtt
PS: and many thanks for the super contribution, very informative.
To save 1000 CHF for a lifetime you can use the following VIAC codes:
rtQaNDV
kuqDYv9
PpeWAA9
kUA9Gc9
NVnhRC6
Have fun with it 🙂
Hello everyone,
to save CHF 1'000 in fees, simply use the following code at VIAC:
CeyUjf2
Best regards 🙂
Hey everyone
Below my code to save on fees.
wui25u7
Enter one of the following codes at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life! Enjoy.
pCxHVGM
a8kAZaN
yz56KPM
KqrWsG7
Thank you for using my codes:
ziRWH2L
BDfAxBH
YfvU9nt
I'm happy to share another code so that someone can have their first CHF 1,000 managed by VIAC for free - for life! 🙌
Simply enter the following code at the end of the registration process:
U99ZKgU
The code can only be used once.
Hi everybody
As requested, I send you two new special codes to save CHF 2'000 administration fees:
TjtPvP1
HfPBDJx
Best Regards
Michael
Hello everybody
Due to the numerous requests, here are two new special codes to save CHF 2,000 in administration fees:
gGC27TU
JuKiMH8
Kind regards
Thanks for the good report and the VIAC codes. As I have used a code from a commenter myself, I would be happy to use one of my codes.
zqRaAHw
RUAC37R
fVNhnzR
Thank you
Pascal
Hi to you
some more Viac referral codes:
mNEErUs
n16S5hX
have fun e beautiful!
Here are more codes to save on fees for life:
a2dZJT3
mzwvxCH
dpDHzpL
hepnutB
8cnbKPE
Enter one of the following codes at the end of the registration process and VIAC will manage your first CHF 1,000 free of charge - for life! Enjoy.
L6xi4Pi
Wjs3bex
t941Drq
Hey 👋
Here are 3 codes you can use to save CHF 1,000 on fees🙌
PjcWqYk
g1uYUoH
vvKfX5B
Have fun with it!