Open customer relationship
You call us at 0800 80 40 40. After successful identification, we will immediately save the new number in the system.
No. A Swiss mobile number is required for registration with VIAC.
By using the VIAC App, you enter into a contractual relationship with the Terzo Pension Foundation of WIR Bank. Behind VIAC AG are the three initiators of VIAC's pension solution, who developed the offer together with WIR Bank. This company has no relevance for you as a customer since the operation of the entire solution is ensured by WIR Bank.
No. By using the VIAC App you only enter into a contractual relationship with the Terzo Pension Foundation of the WIR Bank.
No. Even after the opening process has been completed, you have the freedom to decide at any time whether or not you want to make a deposit. You will not be activated in our system as a customer until the first receipt of money is credited to your VIAC account. The VIAC administration fee will only be charged on your invested capital. Therefore, you do not pay any fees as long as your money is not invested.
We use this data to check your details. With the ID, all you have to do is upload the front page.
Yes, we allow you to manage up to 5 portfolios. You can add a second portfolio within seconds directly in the app. This allows you to make a staggered withdrawal as you get older. By withdrawing smaller amounts over several years, taxes can be saved (tax progression).
No. You can close your savings 3a with VIAC at any time. All securities are sold on the next rebalancing day (on the first trading day of the month). After the notice period of 31 days, you can transfer your pension assets to another pension foundation, which is free of charge at VIAC.
Basically, any person over the age of 18 can establish a relationship with VIAC. However, in order to be able to make a deposit, AHV-liable income must be earned. Without income, only a transfer of existing Pillar 3a assets is possible. This can be particularly attractive for young mothers who interrupt or give up their career.
No. You can invest your money with our offer from as little as CHF 1 or put it into the interest-bearing retirement savings account.
As part of the onboarding process, 6 simple questions will help you find out your investment type. Based on your type, one of our strategies (account, 20, 40, 60, 80, 100) is recommended. Of course, you can override our recommendation at any time.
It's easy: download the app, have your ID / passport ready and complete the opening process 100% digitally in less than ten minutes.
Security and privacy
There is no immediate danger, as the thief cannot log in without a password and cannot change anything accordingly. An e-mail for a password reset is also sent only after successful identification. Money withdrawals via app are not possible. We recommend that you contact your mobile phone provider to block your mobile number and avoid any costs.
No. For us, it has always been a central concern to ensure maximum security for pension assets. Thus, there is no connection between the VIAC App and WIR Bank or Credit Suisse. It is therefore impossible to access the assets of the Terzo Pension Foundation via the app. In principle, our solution is safer than any e-banking solution.
Your money is at the Terzo Pension Foundation of the WIR Bank. The cash portion is in the Terzo Pension Foundation’s interest-bearing collective account. Credit Suisse acts as custodian bank for securities within the Terzo Pension Foundation. Your money will be kept safe in Switzerland. Incidentally, the cash portion of your pension assets enjoys a bankruptcy privilege (max. CHF 100'000 per client) in the event of bankruptcy of the bank. More information can be found at: https://www.esisuisse.ch/en/faq
The VIAC app runs in the same high-security zone as the e-Banking from various Swiss banks. Furthermore, your data will only be stored in Switzerland at two geographically different locations for maximum data security.
The VIAC app runs in the same high-security zone as the e-Banking from various Swiss banks. Access to the VIAC App is protected by your personal password. Already during the registration process we support you in creating a secure password. As soon as you want to make substantial changes, we will send you a code via SMS for maximum security, which you have to enter for confirmation.
No, the cash assets of all Pillar 3a foundations are only privileged in the event of the custodian bank's bankruptcy. The privilege means that the assets are to be allocated to the second bankruptcy class. Your money, which is not invested in securities, is managed by WIR Bank, a purely Swiss and cooperative institution. With the bankruptcy privilege, cash assets of up to CHF 100'000 per client are given preferential treatment in the event of bankruptcy of the account-holding bank. Securities are held at Credit Suisse. Securities are regarded as special assets, are also protected in the event of the custodian bank's insolvency and are not included in the bank's bankruptcy assets. More information can be found at: https://www.esisuisse.ch/en/faq
As safe as any other bank or pension foundation. You pay every franc directly into the Terzo Pension Foundation of the WIR Bank. The Terzo Pension Foundation is independent and responsible for the secure, needs-oriented management of the pension assets of its clients. It has been operating successfully on the Swiss market since 23 October 2002 and has already been entrusted with more than CHF 850 million in client assets.
If the WIR Bank finds itself in financial difficulties, it is the task of the Terzo Pension Foundation to take the necessary measures to protect the pension assets of its clients (e.g. this may result in a change of custodian bank). With the bankruptcy privilege, your account assets up to CHF 100'000 will be given preferential treatment in the event of bankruptcy of the account-holding bank. Securities are held at Credit Suisse. Securities (including our index funds) are regarded as special assets and do not fall into bankruptcy assets in the event of the custodian bank's insolvency. More information can be found at: https://www.esisuisse.ch/en/faq
No. A deposit is only possible in CHF. Our system has nothing to do with the complementary currency WIR.
No. Deposits and withdrawals are free of charge.
No, unfortunately this is not possible. Therefore, we recommend a regular monthly deposit that fits into the longer-term budget.
Yes, we allow you to manage up to 5 portfolios. You can add a second portfolio within seconds directly in the app. This allows you to make a staggered withdrawal as you get older. By withdrawing smaller amounts over several years, taxes can be saved (tax progression).
Yes, you can transfer your money to another pension fund at any time, subject to notice. It is not possible to transfer this amount to private assets to cover the daily needs of life before reaching the normal retirement age. However, the law provides certain exceptions in which the money can be withdrawn earlier. Early withdrawals are possible, among other things, for purchases of owner-occupied residential property, value-added investments or repayment of the mortgage on owner-occupied residential property. Those who set up their own business or emigrate from Switzerland can also withdraw the money. Under certain conditions, disability may also entitle the holder to claim the 3rd pillar early.
Yes, in your VIAC app you can see at any time what amount you have already deposited in the current year and how much capacity is still available up to the regulated, annual maximum amount.
If a deposit is received that exceeds your maximum annual deposit amount, the full payment will be returned immediately.
Once credited, your paid-in capital will be invested with the next monthly rebalancing of your portfolio. Rebalancing takes place on the first trading day of each month. Until then, your money is already in your 3a account.
No, 3rd pillar deposits are voluntary. Unlike insurance solutions, you can deposit as often and as much as you like without any financial disadvantages - even if your deposits are interrupted, there are no costs involved.
We recommend monthly standing orders since we always invest your money automatically in your strategy without additional costs and you profit from the average cost effect when investing in securities (more information can be found in the VIAC Academy).
After you have downloaded our app and completed the opening process, you will enter your personal VIAC cockpit. There you click on the function element "Deposit", select "Transfer" and you will see your ready-made transfer order, which you can send to a desired e-mail address. All you need to do is print this order, complete it with the details of the existing pension relationship and the number of the retirement savings account to be closed and send it to the Terzo Pension Foundation.
After you have downloaded our app and completed the opening process, you will enter your personal VIAC cockpit. There you click on the function element "Deposit", select "Deposit" and you will see your personal orange payment slip. Now you can transfer money from any Swiss bank to your 3a relationship. You can make a one-off deposit or create a standing order. We recommend monthly standing orders, because we always invest your money in your strategy without additional costs.
Basically, you can pay in until you reach the AHV age. Currently this is 65 for men and 64 for women. Persons who continue to work after reaching the AHV age may continue to make deposits until they cease employment - but not longer than 5 years after reaching the normal AHV age.
In this case, the same applies to you as for employees, you are currently allowed to deposit a maximum of CHF 6'826.
If you are registered as unemployed with the RAV, you are currently also allowed to deposit a maximum of CHF 6'826.
If you are employed and are affiliated with a pension fund, you are currently allowed to pay a maximum of CHF 6'826 per year. In the case of part-time employment without a pension fund or as a self-employed person without a pension fund, you may pay up to 20% of your income, but not more than CHF 34'128.
VIAC investment model
You can adjust your investment strategy at any time in the VIAC App. The effective implementation will then take place on the first trading day of the following month. There are no additional costs.
Passive funds are particularly useful for long-term investments, as only a few active funds achieve a higher return than their benchmark over the longer term. This is further reinforced by the fact that passive funds cost considerably less than active funds. With the typically long investment horizon in tied pillar 3a, the resulting compound interest effect has a particularly strong impact on the investment performance. You can find out how much this will affect your personal pension plan by using our fee calculator.
Passive investment funds (index funds and ETFs) usually depict an index (e.g. SMI for Swiss equities) and try to map its performance as accurately as possible. Since they merely depict the index and do not try to actively beat it, they are also called passive investment products. These are particularly suitable for investors who want to invest in a broadly diversified market with a single transaction at low cost and in the long term.
No. We offer a passive investment with active risk management at very low fees.
Yes, in the opening process, you can easily determine your investment type using the VIAC App. On the basis of this, a suitable investment strategy is proposed to you. You have the option of overriding this investment proposal and can choose from all strategies offered - from the account solution to the 100% equity strategy.
Yes, it is our goal to offer an optimal solution for every investment type. Our account is interest-bearing and free of charge.
Investment strategies / selection of index investments
With the VIAC Account Plus, 95% of pension assets are held in the account at a preferential interest rate of 0.3% per annum. The remaining 5% are invested globally and broadly diversified in equities. There are no custody fees, brokerage fees, administration fees or product costs. With the investment focus Global or Switzerland, product costs are also included. External product costs of approx. 0.01% are only incurred for Sustainable implementation.
VIAC's investment strategies cover six different risk types. In addition to the interest-bearing account (no fluctuations), we offer various strategies with a small equity component (strategy 20), which are exposed to smaller fluctuations, up to pure equity strategies (strategy 100), which are exposed to larger fluctuations. The questionnaire helps you to find the right strategy for you. Of course, you can adjust the strategy at any time.
No. With an investment you are always exposed to the market movements of the stock exchange. If you do not want any fluctuations, you can also open an interest-bearing 3a account with us.
If you don't want to have any fluctuations in the meantime, you can change your strategy at any time and without additional costs and invest again at a later date. However, we generally recommend a "buy and hold" strategy. Our system will then perform the regular monitoring for you.
Yes, each of our strategies also invests abroad. The discussion about foreign currency risks is often very superficial and non-transparent. For example, Nestlé, a Swiss share, generates only about 1% of its sales in Swiss francs. In the risk assessment, however, this share is allocated 100% to the Swiss franc. On the other hand, Apple also generates sales in CHF, but is allocated entirely to the USD.
From our point of view, it is important to create the awareness that foreign currencies are indispensable for an investment. These offer both opportunities and risks. It is also not enough to "hedge" the foreign currencies. What is often ignored is that you pay the interest rate difference between the two currencies for a hedge. Historically, in case of Swiss investors the costs of hedging have exceeded the benefits.
In selecting our funds, we have made sure that physically replicating funds are used. Physical replication means that the underlying shares of the index are effectively bought by the index fund or ETF provider. Investment in synthetically replicating products is avoided if possible, as they are exposed to counterparty risk.
Traditional investment funds are often "actively" implemented and try to beat the underlying index (e.g. SMI). However, the active management of assets causes additional expenditure, which is reflected in higher costs. Our strategies, on the other hand, are passively implemented with index funds and ETFs. These reflect the underlying index directly and are correspondingly inexpensive. Our strategies also resemble a modular concept, as several index investments are used for each strategy (per asset class and region). Accordingly, our strategies are only available from VIAC and are not publicly available.
No. We are convinced that good diversification, which we offer through our broad-based strategies, is the best way to invest in the long term. An important driver for the performance are the costs, which we want to keep as low as possible for our customers. We can only achieve this through a certain degree of standardization.
No, the fund offering is determined by VIAC and optimized in the best possible way according to costs, tradability and performance. We monitor market developments on an ongoing basis and try to select the best index funds for our clients at all times.
Yes, you can also receive dividends from index funds and ETFs. Some of the index funds and ETFs distribute dividends. In these cases the received money will be credited to your account and reinvested in the next rebalancing if there is a sufficient deviation from your target strategy.
In the current low interest rate environment, we are not using bonds for cost and risk reasons. Bond yields are closely linked to interest rates. In the case of low (or even negative) interest rates, it is therefore possible that costs incurred (administration fee and product costs) may exceed the yield and bonds thus have a negative return. If interest rates rise again one day, bonds will also suffer valuation losses. For these reasons, we currently believe that the positive interest-bearing account is the better solution for our customers.
Yes, in the section VIAC Strategies you will find a factsheet with historical performance and other interesting information on each investment strategy.
Our sustainable strategies are implemented with sustainable ETFs based on the MSCI Socially Responsible Indexes. Sustainability is taken into account in various ways:
- First, some industries are completely excluded. These include alcohol, gambling, tobacco, eroticism, nuclear power, military weapons, civilian firearms and genetically modified organisms.
- Second, all companies of the remaining sectors are analyzed and evaluated in the areas of environment, social affairs and corporate governance (ESG for Environment, Social and Governance). The resulting ESG rating ranges from CCC to AAA, whereby a "good" or at least an A must be achieved in order to be included in the index.
- Third, it is also investigated whether a company has been subject of controversy (e.g. human rights violations or the cause of serious environmental damage). Companies with a score of four or higher (on a ten-level scale) are also excluded.
Finally, the best-in-class approach means that in each sector, companies with the best ESG rating are first taken into account and included in the index. This happens until 25% of the market capitalization of the respective sector is reached.
The client can choose between "Global", "Switzerland" and "Global Sustainable". We recommend focusing on "global" in order to keep investment costs as low as possible and spread investment risks as widely as possible. Strategies with investment focus "Switzerland" invest at least 75% in Switzerland across all asset classes. The "Global Sustainable" focus does not invest in gold, companies in the alcohol, gambling, tobacco, eroticism, nuclear power and weapons sectors. In addition, all equity investments outside Switzerland are made in accordance with the strict ESG sustainability criteria. For these sustainable strategies, the sustainable ETFs used cause an average additional cost of about 0.10%.
The Terzo Pension Foundation has applied the following selection criteria for the selection of index funds and ETFs:
- Low fees for the client
- Good liquidity for trading
- Low Tracking Error
- Trading spread
- Physical replication
- Minimization of possible tax influences (e.g. stamp taxes)
Your pension assets are invested globally and diversified. In the standard strategies you participate in the development of more than 2’800 companies worldwide. This clearly minimizes the individual security risk. In addition to the Swiss franc, you are also invested in other currencies, with the US dollar accounting for the largest share of foreign currencies.
Index funds and ETFs are characterized by the following features, among others:
- Low fees
- Passive implementation - usually follow an index (you know what you have)
- Efficient diversification; index funds and ETFs in some cases cover several hundred individual stocks
All VIAC strategies are implemented with index funds and ETFs. The main distinguishing feature is trade. In the case of index funds, subscriptions or redemptions take place once a day (primary market and thus exempt from stamp duty), while ETFs (exchange traded funds) are traded directly on the stock exchange (secondary market). Both index funds and ETFs usually follow an index (e.g. SMI for Swiss equities) and try to replicate its performance as accurately as possible. Since they merely follow the index and do not try to actively beat it, they are also called passive investment products. These passive investment funds are particularly suitable for investors who wish to invest in a broadly diversified market with a single transaction at low cost and in the long term.
By answering 6 simple questions you will find the right strategy for you. Your willingness to take risks has a major influence. If you don't like big fluctuations, you will only be offered low-risk strategies. In addition to risk appetite, risk capacity also plays a major role. This is essentially determined by the investment horizon, which is typically very long in the third pillar. For example, a 30-year-old investor can easily sit out a stock market crisis. This is the case since his investment horizon (period of time in which the money is invested) is around 35 years (that is, until retirement).
Your money is invested globally and diversified. By using index funds and ETFs, you can participate in the development of more than 2’800 companies worldwide (standard strategies). The most important asset classes are equities, real estate and gold, whereby the equity component is tailored to your risk profile. In the current low interest rate environment, bonds are not used for cost and risk reasons (since after fees a negative return would result) - instead of which the positive interest-bearing account is used.
The Terzo Pension Foundation of WIR Bank is responsible for ensuring that index investments (index funds and ETFs) are selected and used for the benefit of the client. No active asset management is carried out within the strategies.
Risk management of investment strategies
The aim of an investment in pension funds is always to preserve or increase the assets invested. On the other hand, an investment in the financial markets is always associated with various risks. In this way, the value of pension assets can fall or rise. As a rule of thumb, the higher the expected return (the more stocks), the higher the associated risks (the greater the fluctuations). In the implementation process, we strive to minimize the risks for each client, for example, implementation by means of index funds and ETFs is much more broadly based than implementation by means of individual securities.
The most important risks include the following: Price risk, exchange rate risk, counterparty risk, securities lending, interest rate risk and various general economic risks such as inflation, economic activity, geopolitical risks etc.
VIAC focuses on passive implementation by means of index investments (index funds and ETFs) combined with active risk management. In daily operation, our intelligent system monitors each portfolio individually on the basis of the selected strategy. Based on this active monitoring, it automatically triggers buy and sell orders in the monthly rebalancing, so that the strategy of each individual client is always within the chosen ranges.
Rebalancing, which triggers the purchases and sales, takes place once a month. This is the first trading day of the month on which all relevant stock exchanges are open.
Your portfolio is checked monthly. If necessary, your assets will be returned to the target ratio.
Rebalancing ensures that asset allocation does not deviate too much from the defined strategy. The portfolio thus always meets the client's target strategy.
Each customer determines his or her personal strategy in the onboarding process. This defines how the assets are distributed across various asset classes and regions (e.g. 10% equities in Switzerland). As a result of movements in the financial markets, the effective distribution of assets may differ from the defined strategy (in case of good Swiss equity markets, for example, the Swiss equities share may increase to 12%). Automatic rebalancing checks these deviations on a monthly basis and, if necessary, returns the client's assets to the defined strategy. The same goes for your deposit. On the monthly rebalancing day, the money is invested in your desired strategy.
Basically, no. A fee of CHF 300 will only be charged in the event of early withdrawal in the context of home ownership promotion, unless the financing is provided by WIR Bank.
No. The custodian bank's custody fees are already included in the VIAC administration fee of 0.52% p.a.
Click on the function element "Profile" and select "Documents". Under "Transaction documents" you will find all charges.
No, none of the companies receive any kind of refunds, commissions or retrocessions.
No, you don't pay an administration fee on the cash part. The administration fee of 0.52% is only charged on the invested portion of your pension assets. Your retirement savings account is currently bearing interest of 0.30%. This interest rate is slightly lower than with the classic 3a account of WIR Bank, the "Terzo Konto".
The reason for this is that we do not want to invest our clients in bonds in the current low interest rate environment under any circumstances, as these are currently yielding a negative return after costs. In addition, bonds carry the risk of losses if interest rates rise. With the slightly lower interest rate, we were able to find a good solution with the WIR Bank, which allows everyone to benefit. Our clients have a positive return, pay no fee on the cash portion (a bond investment would be charged) and avoid interest rate risks. For its part, the WIR Bank can attract these funds at a slightly lower price and thus also benefits. Last but not least, we are happy to be able to offer our clients a guaranteed positive return on investment. A classic win-win situation!
PS: If someone wants to optimize further, you can only make the part of the contribution that you want to invest in equities and then choose the Global / Switzerland / Global Sustainable 100 strategy. The share that you then want to hold in cash can be invested with the bank of your choice; for example, in the classic Terzo account. Unfortunately, however, this is accompanied by a little extra effort and the pure equity exposure will then of course fluctuate much more - this would always have to be considered on a consolidated basis.
The VIAC management fee is calculated monthly on the basis of the average invested assets. No fee will be deducted from the amount in cash. The fee will be debited from your retirement savings account at the beginning of the following month. This does not require the sale of shares in index funds or ETFs, since part of the pension assets is always held in the interest-bearing cash account.
Yes, there is a fee. Due to VIAC's intelligent calculation system, the fee for foreign currency exchange is ideally 0%. This happens when foreign currency purchases and sales are of equal size across all customers in our monthly rebalancing. If the purchase and sale volumes are not identical, the bank will charge a commercial fee of up to a maximum of 0.75% on the difference to be traded for foreign currency exchange. The resulting costs are then distributed to all customers and thus already massively reduced (see Academy for details). Historically, the average annual cost over all strategies is less than 0.05%. Usually these fees are hidden from other providers and are not disclosed to the customer.
In case of the index funds and ETFs used, costs of 0.025% on average per year (standard strategies) are incurred within the funds. These product costs are included directly in the index fund or ETF prices. Including the administration fee of 0.52%, the total costs for a fully invested strategy are less than 0.55% (investment focus: Global and Switzerland). As a result, our product is up to 3 times cheaper than comparable competitor products.
The VIAC administration fee is 0.52% per annum on the invested pension assets. There is no administration fee on the cash portion. The administration fee covers the trading costs and the fees paid by the custodian bank for cash account and custody account management. This fee also includes all foundation administration fees, technology deployment and support. There are no transaction costs, retrocessions or other commissions.
Closing / Withdrawal
No, this is not possible. One of the reasons for this is that the Terzo Pension Foundation can invest in special and extremely favourable index fund tranches. These cannot be invested by private individuals. As a result, you benefit from much lower fees during the savings period in your 3rd pillar. If you want to invest in index investments after your retirement, it is advisable to compare the costs of the providers under the following link.
Yes, this is possible at any time subject to notice. However, we do not transfer any securities; the transfer is always carried out as a bank transfer in CHF.
When you reach the ordinary AHV age, the money must definitely be withdrawn unless you continue to work. In this case, the money must be withdrawn no later than 5 years after reaching the AHV age.
Early withdrawals are possible, among other things, for purchases of owner-occupied residential property, for value-increasing investments or repayment of the mortgage on owner-occupied residential property. Those who set up their own business or emigrate from Switzerland can also withdraw the money. Under certain conditions, disability may also entitle the holder to claim the 3rd pillar early.
Normally, the money cannot be drawn until at least 5 years before reaching the normal AHV age. This is currently the case with women at 59 and men at 60 years of age.
Under Profile/Settings/Close_Portfolio you can trigger the closing of a portfolio. All securitiy investments are liquidated at the next possible date (rebalancing day) at no additional cost. You will receive a closing order by email. As soon as the closing order has been signed by you personally and returned to Terzo Pension Foundation, your portfolio will be closed, taking into account the 31-day period of notice.
31 days after receipt of the signed closing order by the Terzo Pension Foundation of WIR Bank.
Functions App / Documents / Extracts
On this day, your pension assets will be returned to the target weighting of your strategy if the deviation is large enough. The current weighting of the individual asset classes may differ from the target weighting due to deposits or price changes. Rebalancing helps you to ensure that your retirement assets always develop in line with your defined target strategy.
From 2018 onwards, you will receive a semi-annual overview of the development of your pension assets. All reports can be found under "Profile/Documents/Reportings".
Yes, you can make this setting under "Profile/Settings/E-mail delivery of your tax certificate". In this way, you will automatically receive your tax certificate by e-mail at the beginning of the year.
All documents in the VIAC App can be sent to your e-mail address as PDF files with one click. Just click on the envelope icon next to each receipt.
Yes, the tax certificate will be automatically sent to your e-mail address in January. You can also find them under "Documents" in your "Profile".
Yes, you can use the VIAC app to view every single transaction and securities event and, if necessary, send it to a desired e-mail address as a PDF file.
VIAC's service includes the following simplified services:
- We maintain a globally diversified portfolio for each investment strategy, selecting the best and most cost-effective index funds and ETFs.
- With our automated rebalancing mechanism, we monitor your portfolio on an ongoing basis and track the weightings of your investments to your target weighting on a monthly basis if necessary. In other words, if the weighting of an index investment has increased by more than 2% (e.g. due to price gains), the profit is realized and the weighting is reduced to the target weighting. On the other hand, if the weighting of an index investment has fallen by more than 2% (e.g. due to price losses), it is bought back at the lower price and the weighting is increased to the target weighting. We do not charge any additional costs for these transactions.
- As soon as you have made a deposit or one of the investments has paid a dividend, we invest this money in your investment strategy without your intervention and without any additional costs.
- In the VIAC App we will show you at any time the development of your pension assets and inform you about the remaining deposit capacity of the current tax period. This way you always have an overview of your pension assets.
VIAC offers you a self-service platform. The VIAC App supports you in determining your personal investment type by means of 6 simple questions in the opening process. Based on your investment type you will receive a personal investment proposal, which you can override at any time. VIAC's monthly rebalancing ensures that your portfolio follows the chosen strategy. If you have any questions, please do not hesitate to contact our staff via chat or helpline (0800 80 40 40) at any time.
- Simplicity: In developing the VIAC app, we have focused on making securities saving comprehensible to all investors. The key figures are reduced to the most important ones and explained in a simple language. The tedious journey to the bank is spared. Within three clicks you can retrieve all information. The VIAC App offers you the possibility to get an overview of your personal pension assets at any time and anywhere.
- Comfort: We want to relieve you of all annoying tasks as far as possible. It has never been so easy to save taxes and fees. With the App-based approach, you can open your 3rd pillar account at any time and place and deposit money instantly. The investment of the pension assets according to the chosen strategy is then automated. Our intelligent system also ensures that the interest and dividends received are reinvested, so that the compound interest effect is used as efficiently as possible. We also give you the greatest possible freedom when making a deposit - which is already possible from 1 CHF. This way you can deposit when and as much as you want, at no extra cost.
- Low fees: Fees are also always a yield guzzler. This is particularly pronounced in the case of long-term investments - including the third pillar. For this reason, we have focused on the lowest possible costs for our clients in the entire development of our system, as well as in the selection of the index investments used, without compromising on quality. Whether it's software development, hosting or customer service - we rely on Swiss quality. Our offer proves that low costs are compatible with top service and quality.
- Broad diversification: Diversification refers to the distribution of invested capital across several asset classes (e.g. equities, real estate etc.) or within an asset class over several individual securities. Specific risks can be minimized through good diversification. If an investor would only bet on 2 shares and one of them would have a negative yield, this could already have a negative impact on the overall result. Our strategies always combine several asset classes. Each asset class is in turn made up of several broadly based indices, which we map with index funds and ETFs. For example, a single strategy consists of more than 2'800 individual securities - if a single security pays off negatively, this has in most cases hardly any influence.
- No investments in bonds that pay off negatively after costs: In contrast to our competitors, we are not using bonds in the current low interest rate environment for cost and risk reasons. Bond yields are closely linked to interest rates. In the case of low (or even negative) interest rates, it is therefore possible that costs incurred (administrative fee and product costs) may exceed the yield and bonds thus have a negative return. If interest rates rise again one day, bonds will also suffer valuation losses. For these reasons, we currently believe that the positive interest-bearing account is the better solution for our customers.
- Autopilot for your Pillar 3a: VIAC takes care of all the tasks for you, you only have to pay in yourself. We automatically trigger the buy and sell orders, so that your pension assets are always within the chosen ranges. We take care of reinvestment of interest, dividends, payments and transfers. We optimize stamp duty, bid-ask spread and foreign currency exchange fees for you. Always with the goal of offering our customers the best product at the lowest cost.
- Sustainability: Our goal is to use resources as sparingly as possible. That's why we rely on a 100% digital and almost paperless offer. With our strategies, you can choose an implementation that is specifically geared to sustainability. Our office space and the servers are also operated with green electricity.
Interest that is credited at the end of a certain period increases the deposit from the beginning of the following period and thus earns interest in the future. In securities investments, the principle of compound interest is even more effective. Your acquired assets generate profits, are reinvested and produce further profit in the following period. The lower the cost, the higher the profits. And the more time you give the compound interest effect, the greater its impact. With VIAC's extremely cost-effective securities solution, you benefit particularly from the compound interest effect.
Albert Einstein even called him the eighth wonder of the world: "Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it."
You can withdraw your retirement savings on the basis of statutory provisions. The most important reasons for purchase are:
- Reaching the AHV age (5 years before possible)
- home ownership promotion
- Purchase into the pension fund
- Start of self-employment
- Leaving Switzerland
- Disability and death
A transfer to another pension fund is possible at any time, subject to 31 days' notice.
Since your Pillar 3a is basically a pension fund, you can only withdraw the money in a few exceptional cases as regulated by law. This long-term nature makes it suitable for investments in securities (assuming an investment horizon of 5-10 years). In this way, you benefit from higher earnings opportunities compared to the pure account solution. At the same time, an investment in real values, i. e. equities and real estate, provides a certain degree of protection against inflation. With a pure account solution you are completely exposed to this risk. Inflation expectations are currently around 0.5%, which is already higher than the interest rates of many providers.
In order to benefit from higher earnings opportunities, you have to accept certain price fluctuations. In addition to the interest-bearing account, we offer a variety of strategies with a small equity component (strategy 20), which are exposed to smaller fluctuations, up to pure equity strategies (strategy 100), which are exposed to larger fluctuations.
Download our app, answer 6 simple questions and find out which investment type you are. Your investment type will then tell you which strategy suits you best. If we find out from your answers that you don't want to see fluctuations or that you have too short an investment horizon (e.g. because you want to withdraw your retirement assets for owner-occupied residential property in the next few years), we recommend a pure account solution with no fluctuations. Of course, you can override the investment proposal at any time. It's very simple, just try it yourself!
If you have money that you want to use for retirement and/or tax saving. The capital in your Pillar 3a is tied up and can only be withdrawn at an early stage in exceptional cases as regulated by law. It is therefore imperative that you are prepared to give up this capital until your retirement or the acquisition of owner-occupied residential property.
You will receive a tax certificate from us, which you simply have to enclose with your tax return. You must enter the deposit amount in your tax return under "Deductions".