FAQ

What is the VIAC Life “base protection”?

What is the VIAC Life “base protection”?

Is and remains the VIAC base protection free of charge?

Is and remains the VIAC base protection free of charge?

How can I get a (higher) base protection?

How can I get a (higher) base protection?

How is the base protection calculated?

How is the base protection calculated?

What risks are covered by the base protection?

What risks are covered by the base protection?

How often can I change the covered risk in the base protection?

How often can I change the covered risk in the base protection?

Why do I have to answer health questions when I change the covered risk?

Why do I have to answer health questions when I change the covered risk?

How can I change the base protection risk?

How can I change the base protection risk?

How can I unlock higher coverage in base protection?

How can I unlock higher coverage in base protection?

Who is the risk carrier for the base protection?

Who is the risk carrier for the base protection?

A relative has passed away. What should I do?

A relative has passed away. What should I do?

When is a rebalancing triggered?

When is a rebalancing triggered?

How does the selection process work for sustainable strategies?

What exactly is the compound interest effect? Why do I benefit so much with VIAC?

What happens to my vested benefits account in the event of a divorce?

Can I make voluntary contributions to the vested benefits account?

I have found a job again. Do I have to transfer my vested benefits assets to the pension fund of my new employer?

What happens to my vested benefit assets when I leave Switzerland?

What happens to my vested benefits assets in the event of death?

Pure account solution or invest a part of it in securities?

In which cases regulated by law can I dissolve my vested benefits account?

When does it make sense to open a vested benefits account?

Do I have to pay tax on my vested benefit assets?

What are the specific tasks of VIAC?

Do I receive investment advice from VIAC?

What are the advantages of the VIAC solution?

What does the display “Next Rebalancing Day” mean?

Do I receive regular reports?

How can I print my receipts?

Do I have an overview of every single transaction in the web version?

Can I use the VIAC vested benefits solution via VIAC Mobile App?

Can I have the securities transferred to my private assets?

Can I have the vested benefits relationship transferred to another bank?

Is it possible to receive an annuity upon retirement instead of closing the vested benefits account?

When can I withdraw my vested benefits early?

Do I have to withdraw my vested benefits when I reach the AHV age?

When can I have my vested benefits paid out at the earliest?

Is there a notice period if I wish to withdraw my pension assets?

How can I close my vested benefits account?

Are there any additional fees for custody account management?

Where can I view my fees paid?

Does the Vested Benefits Foundation, WIR Bank or VIAC receive commissions?

Do I also pay the VIAC administration fee on the interest-bearing cash part?

On what basis is the VIAC administration fee calculated? How is it charged?

Is there a fee for foreign currency exchange?

Why do I still pay product costs in addition to the administration fee?

What does the VIAC administration fee include?

What risks do I take with an investment?

Is my portfolio being actively implemented by VIAC?

How often can I buy and sell?

How often is my portfolio adjusted?

What is the advantage of rebalancing?

What does rebalancing mean?

How much risk/variation do I have to expect?

Am I protected against market movements?

Do I have a foreign currency risk?

Are the implemented index funds and ETFs physically or synthetically replicated?

What is the difference to other pension funds of competitors?

Can I invest in a particular individual security, such as Nestlé?

Can I invest in an index fund or ETF not recommended by VIAC?

Do I receive dividends from the index funds and ETFs? Are they reinvested or paid out?

Why do I have to stick to bandwidths when choosing my own strategy?

Why is there no investment in bonds in the strategies?

Are there historical performance data on VIAC investment strategies?

Why are there different investment focuses for VIAC investment strategies?

What criteria are used to select the index investments?

How broadly diversified are my retirement assets?

What are the advantages of ETFs over other forms of investment?

What are index funds and ETFs?

What is the investment profile for?

What is my money invested in?

Who is responsible for implementing the offered VIAC strategies?

What is the transitory account for?

Can I determine a separate strategy for each segment?

Why is the VIAC vested benefits solution divided into the segments “Mandatory” and “Extra-Mandatory”?

Can I change the composition of my portfolio independently?

How often can I change my strategy? Are there any costs?

How useful are passive funds for pension provision?

Who are passive investment funds suitable for?

Is VIAC an active asset manager?

Can I override VIAC’s investment proposal?

Can I simply open a vested benefits account with VIAC without investing in securities?

When will my vested benefits assets be invested?

As a WIR participant, can I make my deposit in WIR?

Are there any fees for deposits or withdrawals?

May I open several VIAC vested benefits relationships?

Can I take my money back?

When will my transferred vested benefits assets be invested?

May I deposit money from my private assets into my VIAC vested benefits account?

How can I transfer my pension fund assets to VIAC?

How can I transfer existing vested benefits assets?

Can a third party steal money from my vested benefits by unauthorized access?

Where’s my money?

How secure is my personal information?

How secure is my login to the app?

Is there any depositor protection on my vested benefits assets at VIAC?

How safe is my money? What happens if the WIR Bank becomes insolvent?

Am I a customer of VIAC AG or the Vested Benefits Foundation of the WIR Bank?

Am I also a customer at WIR Bank?

Do I make a commitment when signing the pension savings agreement?

Why do I have to upload a photo of my ID/passport?

Is there a minimum term for my vested benefits with VIAC?

Who can establish a relationship at VIAC?

Is there a minimum investment amount?

Can I open multiple VIAC vested benefits accounts?

How do I open a vested benefits account with VIAC?

Can transfers be made within the VIAC portfolios?

Can VIAC adjust my strategy for me?

How can I adjust my strategy?

Problems logging in with fingerprint or FaceID

What should I do if my mobile phone is stolen?

I have a new mobile number – how can I change it?

I don’t have a Swiss mobile number, can I still become a VIAC customer?

What is the VIAC Account Plus?

Am I a customer of VIAC AG or the Terzo Pension Foundation of the WIR Bank?

Am I also a customer at WIR Bank?

Do I make a commitment when signing the pension savings agreement?

Why do I have to upload a photo of my ID/passport?

Can I open multiple portfolios?

Is there a minimum term for my 3a savings with VIAC?

Who can establish a relationship at VIAC?

Is there a minimum investment amount?

How do I know which strategy suits me best?

How do I open a third pillar at VIAC?

Can a third party steal money from my 3a by unauthorized access?

Where’s my money?

How secure is my personal information?

How secure is my login to the app?

Is there any depositor protection on my 3a assets at VIAC?

How safe is my money? What happens if the WIR Bank becomes insolvent?

As a WIR participant, can I make my deposit in WIR?

Are there any fees for deposits or withdrawals?

Can I make up for missed deposits in the last few years?

May I open several 3a relationships?

Can I take my money back?

Does the VIAC App show me how much more I can deposit in the current year?

What happens if I pay more than the 3a maximum amount allowed per year?

When is my pension money invested?

Do I have to make regular deposits?

Do I better deposit monthly (standing order) or sporadically?

How can I transfer existing 3a assets?

How do I pay into my VIAC solution?

What is the maximum age to make a deposit?

I am self-employed with pension fund-connection, how much can I deposit?

I am unemployed, can I still deposit?

How much can I deposit into my 3rd pillar account?

Can I change the composition of my portfolio independently?

How often can I change my strategy? Are there any costs?

How useful are passive funds for pension provision?

Who are passive investment funds suitable for?

Is VIAC an active asset manager?

Can I override VIAC’s investment proposal?

Can I simply open a Pillar 3a cash account with VIAC?

How much risk/variation do I have to expect?

Am I protected against market movements?

Do I have a foreign currency risk?

Are the implemented index funds and ETFs physically or synthetically replicated?

What is the difference to other pension funds in the third pillar?

Can I invest in a particular individual security, such as Nestlé?

Can I invest in an index fund or ETF not recommended by VIAC?

Do I receive dividends from the index funds and ETFs? Are they retained or paid out?

Why is there no investment in bonds in the strategies?

Are there historical performance data on VIAC investment strategies?

How does the selection process work for sustainable strategies?

Why are there different investment focuses for VIAC investment strategies?

What criteria are used to select the index investments?

How broadly diversified are my retirement assets?

What are the advantages of ETFs over other forms of investment?

What are index funds and ETFs?

What is the investment profile for?

What is my money invested in?

Who is responsible for implementing the offered VIAC strategies?

What risks do I take with an investment?

Is my portfolio being actively implemented by VIAC?

How often can I buy and sell?

How often is my portfolio adjusted?

What is the advantage of rebalancing?

What does rebalancing mean?

Are there any costs involved in closing or in the case of early withdrawal?

Are there any additional fees for custody account management?

Where can I view my fees paid?

Does the Terzo Pension Fund, WIR Bank or VIAC receive commissions?

Do I also pay the VIAC administration fee on the interest-bearing cash part?

On what basis is the VIAC administration fee calculated? How is it charged?

Is there a fee for foreign currency exchange?

Why do I still pay product costs in addition to the administration fee?

What does the VIAC administration fee include?

Can I have the securities transferred to my private assets?

Can I have the account or securities transferred to another bank?

Do I have to get my 3rd pillar savings when I reach the AHV age?

When can I withdraw my 3rd pillar early?

When can I have my 3rd pillar paid out at the earliest?

How can I close my VIAC portfolio?

What notice period do I have if I want to withdraw my pension assets?

What does the display “Next Rebalancing Day” mean?

Do I receive regular reports?

Can I automatically receive my tax certificate by e-mail?

How can I print my receipts?

Will I receive a tax certificate for my tax return at the end of the year?

Do I have an overview of every single transaction in the app?

What are the specific tasks of VIAC?

Do I receive investment advice from VIAC?

What are the advantages of the VIAC solution?

What exactly is the compound interest effect? Why do I benefit so much with VIAC?

In which cases can I dissolve my Pillar 3a?

Pure account solution or invest a part of it in securities?

When does it make sense to pay into Pillar 3a?

How do I deduct my 3a deposit?

Do I have to pay tax on my 3a assets?