In most cases, your vested benefits solution consists of an mandatory portion (BVG/LPP) and an extra-mandatory portion. This distinction must be guaranteed at all times. With VIAC, you now have the option to define a different strategy for the mandatory portion (which is intended to secure your livelihood) that may involve less risk (max. 80% equities) than that for the extra-mandatory segment (up to 97% equities). By default, however, the same strategy is defined for both segments at the beginning.