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Things to know about VIAC

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.

Inheritance law in Switzerland

If someone dies in Switzerland without leaving specific instructions in a will or inheritance contract, the Swiss Civil Code (Zivilgesetzbuch, ZGB) determines who inherits their assets. The right to inherit depends on the legal degree of family relationship, not on how close you were to the deceased person. Spouses and registered partners always receive special priority.

Selection of fund provider and implementation with/without bonds

For the standard strategies, you can define the desired fund provider and choose whether you prefer an implementation with or without bonds. You can make an adjustment as follows:

How can I invest in a staggered manner with VIAC?

At VIAC, the selected strategy is always implemented for all assets in a 3a portfolio or a vested benefits segment.

How does the process of trading and booking work at VIAC?

Trading at VIAC takes place weekly on Tuesdays (exception: there is no trading between Christmas and New Year). Deposits are therefore invested once a week and strategy changes can be implemented on a weekly basis.

How does VIAC Rewards work?

With the VIAC Reward program you can invite friends and acquaintances to VIAC in the app under the «Invite friends» function using a code. For each successful invitation you receive a free amount at VIAC. On this sum you no longer pay an administration fee at VIAC – for life!

How does the fee cap work at VIAC?

The VIAC administration fee is capped at a maximum of 0.40% per year. So regardless of your chosen strategy, you will not pay more than 0.40% administration fee per year to VIAC.

How is my total return calculated?

VIAC calculates the time-weighted return (TWR), which can sometimes be tricky to interpret

How is the large added value of VIAC created?

The most important added value for you as a customer is the massive fee advantage over the competitors. It’s quite simple – anyone who pays less fees has a higher profit, year after year.

Why pillar 3a at VIAC?

It is not only the user-friendliness or high transparency that makes VIAC the best Pillar 3a solution.

How does the VIAC Autopilot work?

The intelligent VIAC system continuously monitors each individual portfolio. While deposits, transfers or strategy changes are invested or implemented on a weekly basis, the system also checks 1x monthly in the first rebalancing of the month whether the asset allocation of the portfolio has to be rebalanced to the target values of the defined strategy.

Why can I invest from CHF 1?

With VIAC’s 3rd pillar, anyone can invest from CHF 1 – without minimum fees, without any further payment obligations. With this one franc, you participate in the development of more than 2’500 companies worldwide in our standard strategies.

How does VIAC manage to be so much cheaper than its competitors?

It’s no longer a secret that many banks receive high margins on fund products or with custody account fees in their Pillar 3a offering. These high fees reduce your old-age provision year after year.

How can I interpret the displayed return?

We are often asked how the performance (return in %) displayed in the app is calculated. In the VIAC app you can choose between two return measures, which are explained in the following article.