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Welcome to the VIAC Academy!

Part-time work: How does it affect your retirement provision?

Part-time work is on the rise in Switzerland. According to the latest figures from the Swiss Federal Statistical Office, around 1.9 million people were working part-time in 2024. The problem? Our pen-sion system was designed for a different time and is still largely geared towards full-time employ-ment. Working part-time can therefore lead to a significant pension gap in retirement. In this article, we take a closer look at how part-time work affects your retirement provision and what you can do to close the gap.

Is the Pillar 3a worth it for me?

In my early twenties, I didn’t pay into Pillar 3a. For two reasons that both seemed reasonable to me at the time.

Moving away from Switzerland: Here are the documents you need to close your 3a account.

Anyone leaving Switzerland who wishes to withdraw their pension assets must submit various documents to the pension fund. To ensure a smooth withdrawal process, it’s a good idea to have the documents ready well in advance. This article provides an overview of all the documents you need to submit to withdraw your Pillar 3a savings following your departure from Switzerland.

Kids Portfolio: Why you should invest for your children

More and more parents are looking for a simple and long-term way to invest money for their children. Today, classic savings accounts offer almost no interest and often even lose value in real terms because they cannot offset inflation. This means that the purchasing power of the saved money decreases over time. This is exactly where the VIAC Invest kids portfolio comes in. It makes it possible to invest for the child in the capital market at an early stage and thus benefit from long-term growth. In this article, you will learn what a kids portfolio is, how it works, what costs are involved, and why VIAC Invest is the better alternative for many parents compared to a classic children's account or self-managed ETF solutions.

When is the best moment to invest?

It’s the end of the year and you’ve received your 13th salary. You’re not yet sure how or when, but you know you want to invest it. Prices fluctuate, and the end of the year—when you always receive your 13th salary—is not always the best moment to invest. So every year you’re faced with the same question: when is the best time to invest your money? Is there a strategy you can follow?

VIAC plants one tree for every customer

When VIAC was founded, one thing was clear to us: the third pillar is too complicated. Our goal was to develop a simple and, above all, digital solution without snail mail and piles of paper. To this day, we’ve stayed true to that principle: VIAC is largely paperless. But that’s not enough for us and that’s why we donate a tree for every customer. 🌳😁

Find out how your pension is doing in 3 simple steps (and how to optimize it)

You want to know how your retirement savings are doing but aren’t sure where or how to start? In this article, we’ll show you how to find out the status of your AHV, pension fund, and Pillar 3a and what to do if you discover any gaps.

How do retroactive purchases into pillar 3a work and what do I have to bear in mind?

From January 1, 2025, it is possible to make retroactive contributions into pillar 3a if the maximum amount for a given year has not been deposited.