Your portfolio will be reviewed monthly on the first trading day of the month. If necessary, your assets will be returned to the target ratio (more details: Academy).
No, you are free to decide whether and when you want to make a deposit. As VIAC Invest allows you to invest small amounts just as cost-effectively as large amounts, we recommend that you use a standing order to benefit from the average cost effect and build up long-term assets.
No. VIAC Invest is not tax-privileged. However, we try to optimize taxes and therefore do not work with ETFs, for example, which are subject to stamp duty. You will receive a free eTax statement from us. This means you no longer have to type in any positions or transactions, but can simply upload our PDF to the tax software.
Yes, you can start from CHF 1. Invest as much as you want and when you want – with no minimum deposit, minimum fee or minimum term. This means you can invest very small amounts just as cost-effectively as large amounts.
Yes, that is possible. With VIAC Invest, you have the option of creating several portfolios to invest for different goals/purposes. You can also create a portfolio for your child in your account, pay into it and – if you wish – transfer it to the child when they reach the age of majority.
Important: Even if you create a portfolio for a child, the assets are still legally yours alone! The money belongs to you until you make the gift, and you are free to decide when and how much you want to give.
Yes, you can change your strategy at any time. Strategy changes are implemented on the next weekly trading day (usually on Tuesday). There is no notice period for your assets with VIAC Invest and no obligation to make contributions. You can withdraw your assets at any time to your personal connection account at your house bank (please note that the sale and booking of your securities will take a few days).
You can withdraw as much money as you want from your investment solution at any time. This means that you can also withdraw your entire investment assets without further ado. There is no notice period for your assets with VIAC Invest. If securities have to be sold for the payout, it may take a few days for the transfer to take place due to the transactions (Tuesday is trading day).
The VIAC app guides you through the registration process and supports you in choosing the right investment strategy. The process is intuitive, but if you still have questions or are unsure, we are available to you personally via chat, email or telephone. However, we do not offer on-site appointments or traditional investment advice.
It’s very simple. After you have opened VIAC Invest in less than 10 minutes, you set up a standing order for your VIAC Invest portfolio with your house bank. The investment in VIAC is then made automatically in the weekly trading.
The process is super simple: create a free account with VIAC Invest in just 5-10 minutes.
As part of the onboarding process, you provide some information about your investment objective and risk profile. Based on this information, our system will propose a strategy that suits your investment type. You can override this suggestion at any time. You can also adjust your strategy at any time.
Once you have completed the identification process, you can deposit as much money as you like and VIAC will take care of the rest. Your deposits are automatically invested in the strategy you have defined in the weekly trading. Our system continuously monitors your portfolio and adjusts it if necessary so that it is always invested according to the defined strategy.
We focus on passive management of your investment strategy and use index-based funds. The broadly diversified investment strategies offer good growth opportunities while minimizing risk. VIAC Invest offers you long-term investing at the lowest possible fees. The VIAC administration fee of just 0.25% per year is very low (we are even waiving the fee completely until 31.12.2025). Furthermore, no stamp duty is payable with VIAC compared to other providers (who work with ETFs). VIAC also waives a surcharge when changing foreign currencies. This saves you up to 50% of the usual fees compared to other digital providers – compared to traditional providers, you can even quickly save 1 to 1.5% per year!
With the VIAC app or web app for PC or tablet, you can keep track of your assets at all times. You can view the performance and make adjustments to your portfolio. You also have all your receipts available at all times.
If you have any further questions or need more information, don’t hesitate to contact us. We will be happy to help you!
The amount of your sign-up bonus is determined automatically and at random. The distribution is based on the following formula and is always applied within 100 openings.
Good luck!
A key factor when investing is the investment horizon. The longer, the better. To avoid having to sell at an inopportune time (in a stock market crash), we recommend keeping a certain amount of your savings in a savings account with a good interest rate. The amount is very individual, but should be sufficient to allow you to finance extraordinary expenses (major repairs to your house or car, health costs, loss of income or already known expenses, e.g. for an education) without having to fall back on the investment straight away. This safety cushion allows you to take a more relaxed view of fluctuations on the stock markets. The basic requirement is that you have an income surplus (savings ratio) at the end of the month.
You should then review your pension situation. For most people, pension assets (pension fund, pillar 3a) are the largest part of their assets. As the money in pillar 3a is earmarked for a specific purpose in the long term – with the exception of owner-occupied residential property, self-employment and emigration – you should only deposit money here that you are not dependent on in the long term. Pillar 3a offers attractive tax advantages for such assets, which you can make use of.
The third building block is free investing. Although, unlike pillar 3a, there are no statutory withdrawal restrictions here, your investment horizon must also be taken into account. Here you can invest the amount that exceeds the maximum payment into pillar 3a or that you would like to invest more flexibly.
VIAC Invest offers a number of advantages that set it apart from other providers. Here are some of the most important points:
Low fees: VIAC Invest stands out for its low costs. VIAC is a purely self-managed platform – we have no offices or sales staff. If you have any questions, we are available via chat, phone or email. This setup allows us to offer an efficient investment solution at the lowest fees.
VIAC Invest offers you a low-cost all-in fee of 0.25% p.a. (we even waive this all-in fee until 31.12.2025 🙌).
including custody account fees
including transaction fees
Including e-tax statement for your tax return
including value added tax
0.0% foreign currency costs (0.1 to 0.50% for comparable digital providers; up to 1.5% for traditional solutions)
0.0% stamp duty for the funds (with ETF providers 0.075% – 0.15% per transaction)
The cash part of VIAC Invest is always free of charge.
All VIAC funds have a flat management fee of 0.20% – for all asset classes. There are also no transaction costs within the fund.
You’re in from CHF 1: Invest as much as you want, when you want – with no minimum deposit, minimum fee or minimum term.
Flexibility: VIAC Invest gives you the option of adjusting your investment strategy at no extra cost. With the focus “individual strategy”, you can even put together your own personal strategy from the various asset classes.
VIAC Autopilot: Constant ups and downs on the stock market can lead to fluctuations in value. To keep your risk at the desired level, we monitor your portfolios on an ongoing basis. You can find details on this topic here: https://viac.ch/en/article/how-does-the-viac-autopilot-work/
Intuitive application: Our platform is user-friendly and easy to navigate, so you always have an overview of your assets.
Invest as it suits you: Whether classic, sustainable or with a greater focus on Swiss equities. VIAC already offers you a large selection of standard strategies: 5 global, 5 sustainable and 5 Swiss investment strategies – each with or without bonds!
There are no account management or closing fees with VIAC Invest. VIAC Invest offers you a low-cost all-in fee of 0.25% p.a. (we even waive this all-in fee until 31.12.2025 🙌).
including custody account fees
including transaction fees
Including e-tax statement for your tax return
including value added tax
0.0% foreign currency costs
0.0% stamp duty for the funds
The cash part of VIAC Invest is always free of charge.
VIAC funds have a flat management fee of 0.20% for all asset classes. No stamp duty is payable on the purchase and sale of VIAC funds. There are also no transaction costs within the fund.
VIAC Invest is the low-cost digital asset management solution for Switzerland! VIAC Invest enables you to invest simply and efficiently over the long term using index-based funds. With VIAC Invest, you can make broadly diversified investments from as little as CHF 1. With just a few questions, you can determine the right investment strategy for you. Then all you need to do is set up a standing order and sit back and relax. Deposits are automatically invested in your chosen strategy in our weekly trading (always on Tuesdays). If necessary, you can adjust your strategy at any time and free of charge.
There are countless investment opportunities. At VIAC, we stand for simple and understandable solutions. That’s why we offer you investments in bonds, shares, real estate and gold. Investments are made by means of funds. A fund offers you the opportunity to invest any amount in a large number of bonds, shares or real estate and thus to spread the risks widely (keyword diversification). We use index funds for this. An index fund replicates a specific index. For Swiss shares, for example, this can be the Swiss Market Index (SMI), which contains the 20 largest companies in Switzerland.
The investment strategy is responsible for around 70% of your long-term return. In order to find the right allocation for you across the asset classes mentioned, VIAC offers you support with all products. By answering a few questions to profile your risk, you can find the right strategy for you. You can also choose a focus that allows you to make your investments globally, sustainably or with a focus on Switzerland.
Basically, the longer you want to invest your money, the more risk you can take and the higher the return you can expect. Shares are riskier than a savings account, as share prices can fluctuate significantly. However, fluctuations are only a risk if you sell the shares in the short term and thus realize the price losses. If you don’t need the money, on the other hand, you can sit out periods of weak stock markets without realizing the temporary losses and thus participate in rising markets again. Fast and high profits are not realistic or only possible with correspondingly high risks, as no investment can achieve high returns and a high level of security at the same time.
Basically, the earlier you start investing, the better. Because as soon as you are invested, your money can generate returns and even increase this advantage thanks to the compound interest effect. Every franc earned that remains invested can itself generate a return next year.
There are different studies on when to invest. Whether you invest at the beginning or end of the year, or rather every month, doesn’t really matter. In principle, a monthly investment is a good idea. You benefit from the average cost effect – read more about this in our Academy. Much more important than thinking about the exact timing is that you invest at all. Studies show that the time your money is invested in the market is much more important. Nobody knows the right time to get in or out. Catching THE right entry point is almost impossible or simply luck. That’s why we recommend investing early and continuously.
You also need to be convinced of the investment. Doubts or fear may cause you to act impulsively and guided by emotions. This is usually bad advice and leads to wrong decisions. Investing with conviction, regularly, over the long term and with a certain stubbornness (not changing your strategy based on news reports) has historically always led to success in the long term. Put simply, you need to be able to sleep soundly with your chosen strategy even when stock markets are turbulent.
As explained in the question “How much should I invest?”, we recommend keeping a “nest egg” in a savings account at your bank that you can access at short notice. If you are still looking for a savings account with a good interest rate, our partner (Bank WIR) offers attractive savings accounts. You can find out more here.
As a second priority, you should use pillar 3a, as you can realize tax advantages here, which corresponds to a “guaranteed return”. In addition, interest and dividend income are exempt from income tax and there is no wealth tax on pension assets. In contrast to the “nest egg”, more risk can be taken here, as most people have a long-term investment horizon.
If you have additional assets available after the “nest egg” and pillar 3a, you can also invest in shares, bonds, real estate and gold. We recommend doing this via index funds to ensure good diversification of risks and enable cost-effective implementation. It is important to keep costs under control for all your investments. After all, every franc that is lost in fees can no longer generate a return next year.
VIAC offers cost-effective digital solutions for all investment products. Since you can invest in all VIAC solutions from as little as CHF 1, there is no excuse to wait before investing. Simply download the VIAC app or register on our homepage app.viac.ch. We will guide you through the process in just a few steps and help you choose the right investment strategy.
Anyone who is at least 18 years old, lives in Switzerland and is exclusively liable for tax in Switzerland can open an account & custody account with VIAC Invest. Companies cannot invest with us for the time being.
A Swiss bank account must be used for the payment(s) into the investment solution.
By restricting withdrawals to a verified connection account, we can increase the security of our investment solution for you. This way, we want to ensure that payouts always end up in your account. In addition, VIAC Invest is an investment solution and not an everyday account.
It is crucial to find a solution that is both cost-effective and flexible. VIAC has already established itself as a leading provider for retirement savings solutions using low-cost index fund and ETF building blocks and now, with VIAC Invest, offers a wide range of benefits for private investing too. In this article, we will take a closer look at why VIAC Invest is the right solution for your private investing.
Low-cost fund savings plans: VIAC Invest stands out for its low-cost fund savings plans (only 0.25% management fee, until 31.12.2025 even 0.00%). With VIAC you invest in broadly diversified index funds. You can invest from as little as CHF 1, which also makes it attractive for beginners.
No fees for strategy changes: Another major advantage of VIAC Invest is that there are no fees for strategy changes. This means: no transaction fees, no stamp duty, no foreign currency surcharges! You can adjust your strategy at any time – implementation then takes place in our weekly trading (every Tuesday)
Intuitive app for self-management: VIAC offers you an intuitive app that allows you to manage your assets yourself. In addition to performance, transactions, etc., you also have access to all your documents at any time.
Free tax statement: You receive a free tax statement from us for your tax return. Thanks to the eTax statement, VIAC Invest makes it easier for you to complete your tax return – simply upload our provided PDF to your tax software and you can save yourself the hassle of typing in positions and transactions.
You are happy when you have saved some money or, if possible, have some money left at the end of each month so your income is greater than your expenditure. The classic form of investment for your savings is a savings account. Here, the bank pays you interest in normal times and your savings balance grows.
However, it is important to take inflation into account. Inflation indicates how much the general price level is rising. As prices rise, the value of your savings decreases, as you will no longer be able to buy the same amount with CHF 100 in the future. Historically, inflation in Switzerland has been around 2.5% per year. After 10 years, your savings will be worth more than a quarter less. If we look at historical savings interest rates, on the other hand, they averaged around 2.5% in the long term. This means that the loss of purchasing power due to inflation would be offset by the savings interest. However, you have earned nothing and your money has not “worked” during this time.
By investing in shares, bonds, real estate, precious metals, commodities, etc., you can achieve a higher return over time than with a savings account. The money then works for you and you achieve asset growth. This helps you achieve your long-term goals. Regardless of whether this is buying your own home, your children’s education, a financially secure retirement or another goal that you are pursuing with your investment.
Yes, you will receive a free eTax statement for your tax return. We provide you with an eTax statement at the beginning of each year. You can view and download this in the app in the corresponding product under Documents. Thanks to the eTax statement, you can save yourself the hassle of typing in positions and transactions and simply upload our PDF to the tax software.
By using the VIAC Invest product, you enter into a contractual relationship with VIAC Invest Ltd, which is supervised by FINMA as a fund management company. VIAC AG is backed by the three initiators of the VIAC pension solution, who developed the product together with Bank WIR.
No, we do not offer joint relationships. You must be the sole beneficial owner of the assets you invest with VIAC Invest.
Yes, VIAC Invest is very suitable for a savings plan for your children. For example, you can use your child’s name as the portfolio name. The important thing is that the money remains yours and you can dispose of it freely. You are under no obligation to transfer the money to your children.
No. The VIAC Invest product is only available to customers domiciled in Switzerland. If you, as an existing VIAC Invest customer, move your domicile abroad, you are obliged to inform us of the change of address and close your VIAC Invest. There are no closing fees.
Yes, as long as you are domiciled in Switzerland, you can use VIAC Invest. However, we are obliged to request a W9 form from you. IMPORTANT: We do not prepare US-specific tax documents! For this reason, we recommend that you contact a tax advisor before opening.
No. Even after completing the opening process, you have the freedom to decide for yourself at any time whether you want to deposit money or not. You will only be activated as a customer in our system once the first deposit has been credited to your VIAC account. You also pay no fees as long as your money is not invested. There are no account management fees with VIAC Invest.
No, you are not obliged to make a deposit. There is also no minimum contract term. You can delete the product yourself in the application under Profile/Settings if you are not convinced by VIAC Invest.
As part of the onboarding process, several simple questions will help you find the right investment strategy. Each client is assigned a corresponding investment type. Based on this, one of our strategies (account, 20, 40, 60, 80, 100) will be suggested to you. You can override our suggestion at any time.
Very simple: Download the VIAC app or start the opening process at www.viac.ch by clicking on “Register”, have your ID/passport ready and open your VIAC Invest account 100% digitally in less than ten minutes.
Yes, you can also register with an international mobile number. For mobile numbers from countries not directly bordering Switzerland, you must first contact our support team to register them.
Please call us on 0800 80 40 40. After successful identification, we will enter the new number in the system straight away.
No. You can invest your money with our offer from as little as CHF 1.
In principle, any person of legal age domiciled in Switzerland can open VIAC Invest. As soon as you, as a VIAC user, move your domicile abroad, you must inform us of this. In this case, the VIAC Invest product would have to be closed and withdrawn. VIAC Pillar 3a and vested benefits, on the other hand, can also be continued with domicile abroad (exception: domicile USA).
The VIAC Invest fund management company is regulated by FINMA and is subject to money laundering legislation. Accordingly, the VIAC Invest product is subject to stricter regulatory requirements. Pillar 3a and vested benefits are not regulated by FINMA, but by the Basel Foundation Supervisory Authority.
No. We do not charge any fees for deposits and withdrawals.
Yes, you can withdraw your money from VIAC Invest at any time. There are no notice periods. If you want to withdraw more money than is already available in cash, the corresponding security holdings will be sold on the next weekly VIAC Trading Day. As soon as sufficient cash is available, the payout will be made. The payout can only be made to a payout account defined by you during the opening process (Swiss IBAN in your name)
Yes, we allow you to manage up to 10 portfolios with us. You can add more portfolios yourself directly in the app. A separate strategy can be defined for each portfolio. You can name your portfolios differently in the app and change the names yourself at any time.
Yes, you can easily create a transfer order in the VIAC app. However, the transfer from your previous provider is always made in cash. We do not accept the transfer of securities.
We do not recommend this. If foreign currencies are transferred correctly, our bank will automatically convert them into CHF. We only offer CHF accounts and no portfolios in foreign currencies.
No, this is currently not possible. This function will be added in the next release.
Once you have downloaded our app and completed the opening process, you will be taken to your personal cockpit. There you click on the “Transfer” button, then select “Deposit” and you will see your personal payment details. You can now transfer money to your VIAC Invest portfolio from any Swiss bank. Each portfolio has a separate QR reference number for deposits, which is used to allocate your payment to the respective portfolio. You can make a one-off deposit or set up a standing order. We recommend monthly standing orders, as we always invest your money automatically at no extra cost in your strategy.
We recommend a monthly standing order, as we automatically invest your money in your strategy at no extra cost and you benefit from the average cost effect when investing in securities.
Your deposit will be invested with the next weekly trading after it has been credited. Trading usually takes place weekly on Tuesday.
With VIAC, withdrawals can only be made to the connection account you registered when you opened the account. If someone gains unauthorized access, they cannot steal money, in the worst case they can only transfer money to your connection account (which is in your name).
Securities: Securities are special assets that are not affected by the bankruptcy of VIAC Invest Ltd. and are protected under bankruptcy law.
Cash: As VIAC Invest Ltd. is not a bank under the Banking Act (BankG), there is no deposit protection for client cash. All client cash, including any interest, is covered by a default guarantee from WIR Bank Genossenschaft, Basel (Art. 5 para. 3 lit. f BankV). The default guarantee can be claimed from the time of the opening of bankruptcy proceedings or the approval of a provisional debt-restructuring moratorium via VIAC Invest Ltd. and is limited to the credit balance plus any interest at the time of the opening of bankruptcy proceedings or the approval of the provisional debt-restructuring moratorium.
The VIAC app runs in the same security zone as the e-banking of various Swiss banks. Access to the VIAC app is protected with your personal password. We will help you create a secure password during the registration process. As soon as you want to make significant changes, we will also send you a code by SMS for your security, which you must enter for confirmation. You can also activate optional two-factor authentication (2FA) for login in the app. To do this, click on Profile > Settings > Two-factor authentication.
In addition, it is only possible to withdraw money to your personal connection account (which is in your name). This makes the VIAC app per se even more secure than the e-banking of your bank
The VIAC app runs in the same security zone as the e-banking of various Swiss banks.
No, as a fund management company we cannot join Esisuisse for deposit protection. For this reason, there is a regulatory bank guarantee from Bank WIR. With this guarantee, your cash balance (including interest) is fully protected in the event of bankruptcy of VIAC Invest AG, with no limit on the amount.
If Bank WIR gets into financial difficulties, it is the responsibility of the VIAC Invest fund management company to take the necessary measures to protect the cash portion of client assets (this may result in a change of bank, for example).
If Bank WIR were to go bankrupt, only the cash portion would be affected. You hold the VIAC fund units directly with VIAC Invest AG. The VIAC funds in turn hold their assets at Regiobank Solothurn. In these cases, securities (including our index funds) are always considered special assets and are not included in the bankruptcy estate if the custodian bank becomes insolvent.
There is no immediate danger here, as the thief cannot log in without a password and therefore cannot change anything. An e-mail to reset the password will also be sent only after successful identification. Payouts via app are only possible to the registered connection account. The connection account cannot be adjusted without our verification. We recommend that you contact your mobile phone provider to block your mobile number and avoid any costs.
Your money is held by VIAC Invest AG (fund management company) and is guaranteed in the event of bankruptcy of VIAC Invest AG by a default guarantee from WIR Bank. You can find this guarantee here.
Yes, you can also put together your own individual strategy at the level of the VIAC funds. To do this, select the investment focus “individual strategy”.
Yes, you can easily determine your investment type during the opening process using the VIAC app. Based on this, a suitable investment strategy is suggested to you. You have the option of overriding this investment proposal and can choose from all the strategies on offer – from the account solution to a 100% equity strategy.
VIAC is a purely self-administration platform, so you as a customer have to adjust your strategy yourself in the VIAC app or VIAC web version. You can do this by simply clicking on the “Strategy” tile and then selecting “Adjust strategy”. The strategy adjustment is always implemented with the next weekly trading (usually on Tuesday). You can also check your investment type there and use the questions to find the right strategy for you.
You can adjust your investment strategy at any time in the VIAC app. The effective implementation then takes place with the next weekly trading – usually on the following Tuesday. There are no additional trading costs (brokerage fees), stamp duty or fees for currency exchange (FX spreads).
No. We offer passive investments with active risk management at very low fees.
The following three reasons trigger trading:
VIAC funds are implemented with index fund components, passively track a market (e.g. Swiss equities) and try to reflect its performance as accurately as possible. As they only track the market and do not attempt to actively beat it, they are referred to as passive investment products. These are particularly suitable for investors who want to invest in an entire market in a broadly diversified manner at low cost and over the long term with a single transaction.
No. With an investment you are always exposed to the market movements of the stock exchange.
If you no longer want fluctuations at some point, you can change your strategy with us at any time and at no extra cost before investing again at a later date. However, we generally recommend a “buy and hold” strategy. Our system will then take care of regular monitoring for you.
The VIAC funds are physically replicated. Physical replication means that the underlying shares of the market are effectively purchased by the index fund provider. We do not invest in synthetically replicating products, as these are exposed to counterparty risk.
No, VIAC funds are only available to VIAC customers via the VIAC application.
No. We are convinced that good diversification, which we offer through our broadly based strategies, is the best way to invest in the long term. An important driver of performance is costs, which we want to keep as low as possible for our customers. We can only achieve this through a certain degree of standardization.
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, only generates around 1% of its sales in Swiss francs. In the risk assessment, this share is nevertheless allocated 100% to Swiss francs. On the other hand, Apple also generates sales in CHF, but is allocated entirely to the USD.
In our view, it is important to raise awareness of the fact that foreign currencies are unavoidable when investing. They offer opportunities, but also risks. Even the supposed “hedging” of foreign currencies is not enough. What is often ignored is that when you hedge, you pay the interest rate difference between the two currencies. Historically at least, the cost to Swiss investors has been greater than the benefit.
Your assets are invested globally and broadly diversified. In the standard strategies, you participate in the performance of more than 2’800 companies worldwide. This significantly minimizes the risk associated with individual securities. In addition to the Swiss franc, you are also invested in other currencies, with the US dollar accounting for the largest weighting of foreign currencies.
For the stock selection in the sustainable fund components, each company is analyzed and rated in the areas of environment, social and corporate governance (ESG for environment, social and governance). Based on these ESG ratings, only the best companies per sector are considered until a certain market capitalization threshold is reached. In addition, companies with significant involvement in controversial activities are excluded per se.
You can find more details and specific information on the exclusion criteria in the Academy.
The VIAC investment strategies cover six different risk types. In addition to the account (no fluctuations), we offer various strategies with a small equity component (Strategy 20), which are exposed to smaller fluctuations, through to pure equity strategies (Strategy 100), which are exposed to larger fluctuations. The risk profiling helps you find the right strategy for you. Of course, you can adjust the strategy at any time.
Yes, on the VIAC Invest strategy page you will find a factsheet with historical performance and other interesting information for each investment strategy.
VIAC funds are composed of index funds. In most cases this is a single component, in certain cases a VIAC fund contains two index fund components. This allows us to ensure the most efficient implementation possible, as indexing is a classic business model in which economies of scale take effect – this requires billions, not millions.
Your money is invested worldwide and broadly diversified. The VIAC funds are implemented with index funds. By using index funds, you participate in the performance of more than 2’800 companies worldwide (standard strategies). The most important asset classes are equities, real estate, gold and bonds, with the equity component tailored to your risk profile. You can decide whether the strategy should be implemented with or without bonds (fee-free cash instead of bonds).
The VIAC Invest fund management company is responsible for ensuring that the investment strategy is implemented in the interests of the client. No active asset management is carried out within the strategies.
Customers can choose between “Global”, “Switzerland” and “Global Sustainable” as their investment focus. We recommend the “Global” focus in order to spread the investment risks as widely as possible. With the “Switzerland” investment focus, at least 75% is invested in Swiss francs across all asset classes. The “Global Sustainable” focus refrains from investing in gold and companies with significant involvement in controversial activities. Shares in the fund are selected according to established sustainability criteria.
When selecting our target funds, we not only pay attention to the costs (TER), but also to many other factors. These include withholding taxes. For this reason, when investing in US equities or those with a high proportion of US equities, we choose index funds domiciled in Ireland that are traded on the stock exchange. Although these funds incur slightly higher costs, this is in your interest. The double taxation agreement between Ireland and the USA allows the withholding tax burden to be reduced to 15%. If we were to choose a target fund from Switzerland, 30% withholding tax would be deducted. Assuming a dividend yield of 2%, your advantage is 0.30%. This compensates for the slightly higher costs of a target fund by far.
As a fund management company, we can manage client accounts ourselves and are therefore not dependent on a custodian bank. As a result, we remain very cost-efficient and can offer you long-term investments at top conditions. In addition, with competitors – who operate with ETFs – stamp duty (of up to 0.15% per transaction) is payable on the purchase and sale of fund units. This means that we have lower ongoing and one-off transaction costs and can undercut our competitors by a considerable margin.
Yes, our VIAC funds also receive dividends. The VIAC funds are accumulating, which means that dividends are reinvested in the fund immediately after they are paid out. This has the advantage that even the smallest payments are reinvested directly.
Deposits, transfers and strategy changes will be invested or implemented weekly on Tuesdays. If it is a public holiday, the Trading will take place on the next possible trading day. Between Christmas and New Year, there will be no Trading due to limited tradability.
Your portfolio will be reviewed monthly on the first trading day of the month. If necessary, your assets will be returned to the target ratio (more details: Academy).
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 on the first trading day of the month, so that the portfolio corresponds to the selected 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 well performing equity markets, for example, the Swiss equities share may increase to 12%). The automatic rebalancing checks this deviation once a month on the first trading day of the month and, if necessary, returns the client’s assets to the defined strategy. Deposits, transfers and strategy changes will be invested or implemented weekly.
Rebalancing ensures that asset allocation does not deviate too much from the defined strategy. The portfolio thus always meets the client’s target strategy.
The aim of an investment in securities 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 the 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.
No, apart from the management fees of 0.25% (until 31.12.2025 even 0.00%), there are no custody account fees. There are also no transaction fees or foreign currency surcharges. No stamp duty and no value added tax. VIAC Invest also provides you with a tax statement free of charge.
No. The closing of the account and the payment to your connection account at your house bank is free of charge.
Custody account fees can generally be deducted from taxable income. The tax treatment of asset management fees varies depending on where you live. All fees are itemized in our tax statement and should be imported automatically into your tax return with the eTax statement.
Tip: Check the instructions on the tax return for your canton of residence to see whether a flat-rate deduction for administration fees is possible. This flat-rate deduction may be more advantageous for you than the actual VIAC fees. Due to the very low fees at VIAC, it is quite possible that a flat-rate deduction may be to your advantage.
No, you do not pay a fee on the cash portion – although in asset management it is often the case that the management fee is also charged on the portion that is not invested. Not so with VIAC Invest.
No, none of the companies receive any form of reimbursements, commissions or retrocessions.
With VIAC Invest, you pay no management fees on up to CHF 8’500 – for the rest of your life.
This is how it works:
In the VIAC app, you can invite your friends and acquaintances with a personal code under Profile/Friends. We will increase your personal allowance for all your friends who become VIAC customers. They will also benefit and receive a fee allowance of CHF 1’000. You can find more information and your personal invitation code in the app.
No. VIAC Invest does not charge any foreign currency fees. There are also no custody account fees or transaction fees. No stamp duty and no value added tax. VIAC Invest also provides you with a tax statement free of charge.
VIAC Invest offers you a low-cost all-in fee of 0.25% p.a. (we will waive this all-in fee until 31.12.2025 🙌).
This includes:
You also pay:
There are no account management or closing fees with VIAC Invest. VIAC Invest offers you a low-cost all-in fee of 0.25% p.a. (we even waive this all-in fee until 31.12.2025 🙌).
including custody account fees
including transaction fees
Including e-tax statement for your tax return
including value added tax
0.0% foreign currency costs
0.0% stamp duty for the funds
The cash part of VIAC Invest is always free of charge.
VIAC funds have a flat management fee of 0.20% for all asset classes. No stamp duty is payable on the purchase and sale of VIAC funds. There are also no transaction costs within the fund.
The product costs include all costs of the VIAC funds. In addition to the flat-rate management fee, certain costs are incurred by the underlying index funds. For the calculation of the VIAC strategies, we apply the so-called “look trough” method, so that we also take these costs of the target funds into account when calculating the total costs in order to provide you with maximum transparency.
It is not yet possible to change your payout account directly in the app. If you would like to change this, please send us the following data:
IBAN of the new desired payout account.
We need the following for verification purposes:
Although this is currently somewhat cumbersome – and will soon be integrated into the app – it is for your own security.
Under “Settings” in the menu at the top right, you can initiate the closing process yourself. Any securities will be sold on the next possible trading day. The payout will then be made to your deposited connection account.
Simply tap on the dark blue “Transfer” button in the app, then on “Withdrawal” and then select the desired amount.
It usually takes 1-2 days, but a maximum of one week, for us to sell your investments. After that, it can take another 2-3 working days for the money to arrive in your registered bank account.
The assets are transferred immediately after the sale of the securities. The securities are sold on the next trading day, taking into account a processing period of 5 working days. If your assets are already in cash, paymout can be made more quickly.
No, we do not charge a fee for the tax statement. Every VIAC Invest client automatically receives a tax statement.
No, only a Swiss tax statement is issued.
Yes, you will automatically receive an e-tax statement for your tax return. The tax statement is free of charge. We always provide you with an e-tax statement at the beginning of the year. You can view and download it in the app under Documents from VIAC Invest.
As with all investments, in Switzerland investment earnings are taxable as income. Investment earnings include interest and dividends. As you invest in funds with VIAC Invest, the interest and dividends accrue within the funds. The fund keeps these earnings and reinvests them again and again. Once a year, these accumulated earnings are reported as reinvestment. You must declare this reinvestment and the interest that may accrue on your account balance as income in your tax return. But don’t worry, this is really simple. You have all the information summarized in our eTax statement, which we prepare for you every year free of charge.
The international automatic exchange of information in tax matters (AEOI) is intended to prevent tax evasion through the holding of assets abroad. The legal basis for this is the Federal Act on the International Automatic Exchange of Information in Tax Matters (AEOI Act). As a Swiss financial institution, VIAC Invest AG is obliged to report reportable accounts to the Swiss Federal Tax Administration, which forwards the data to the respective partner state. Only an account whose holder is a reportable person is considered a reportable account. Reportable persons are natural persons who are resident for tax purposes in countries with which Switzerland has agreed AEOI (partner countries). The list of partner states can be found here. You can find more detailed information in our General Terms and Conditions.