Investing can be this easy - with investment strategies from VIAC

A suitable strategy for every type of investment.

Strategies

Strategies Offered

VIAC Invest offers you a wide selection of standard strategies: whether global or sustainable, with high or low risk – a suitable strategy for everyone!

Investment Focus: Global

Strategy	Equity Weight	Year-to-date	Total Costs until end of 2025*	Total costs 2026 onwards
Invest account (0.60% interest)	0%	0.6%	free	free
Global 20	20%	5.4%	0.09%	0.17%
Global 40	40%	9.3%	0.14%	0.27%
Global 60	60%	13.5%	0.19%	0.37%
Global 80	80%	17%	0.23%	0.47%
Global 100	99%	17.3%	0.22%	0.46%

Strategy	Equity Weight	Year-to-date	Total Costs until end of 2025*	Total costs 2026 onwards
Invest account (0.60% interest)	0%	0.6%	free	free
Global 20	20%	8.5%	0.23%	0.48%
Global 40	40%	11.4%	0.24%	0.48%
Global 60	60%	14.6%	0.24%	0.49%
Global 80	80%	17.2%	0.24%	0.49%
Global 100	99%	17.3%	0.22%	0.46%

* VIAC waives the asset administration fee until 31.12.2025 🙌 After that, you only pay 0.25% per year on the invested share - we do not charge any fees on account balances. Total costs shown include asset management, custody fees, brokerage fees, foreign currency costs, stamp duty and all product costs (all fund TERs including target funds).

Investment Focus: Switzerland

Strategy	Equity Weight	Year-to-date	Total Costs until end of 2025*	Total costs 2026 onwards
Invest account (0.60% interest)	0%	0.6%	free	free
Switzerland 20	20%	3.7%	0.09%	0.17%
Switzerland 40	40%	6.1%	0.14%	0.27%
Switzerland 60	60%	8.6%	0.18%	0.37%
Switzerland 80	80%	11.3%	0.23%	0.46%
Switzerland 100	99%	10.7%	0.21%	0.45%

Strategy	Equity Weight	Year-to-date	Total Costs until end of 2025*	Total costs 2026 onwards
Invest account (0.60% interest)	0%	0.6%	free	free
Switzerland 20	20%	6.8%	0.23%	0.48%
Switzerland 40	40%	8.3%	0.23%	0.48%
Switzerland 60	60%	10%	0.23%	0.48%
Switzerland 80	80%	11.5%	0.23%	0.48%
Switzerland 100	99%	10.7%	0.21%	0.45%

Investment Focus: Sustainable

Strategy	Equity Weight	Year-to-date	Total Costs until end of 2025*	Total costs 2026 onwards
Invest account (0.60% interest)	0%	0.6%	free	free
Global Sustainable 20	20%	3.6%	0.10%	0.17%
Global Sustainable 40	40%	7.2%	0.15%	0.27%
Global Sustainable 60	60%	10.8%	0.20%	0.38%
Global Sustainable 80	80%	14.4%	0.25%	0.48%
Global Sustainable 100	99%	16.7%	0.25%	0.50%

Strategy	Equity Weight	Year-to-date	Total Costs until end of 2025*	Total costs 2026 onwards
Invest account (0.60% interest)	0%	0.6%	free	free
Global Sustainable 20	20%	7.2%	0.24%	0.49%
Global Sustainable 40	40%	9.7%	0.25%	0.50%
Global Sustainable 60	60%	12.3%	0.26%	0.51%
Global Sustainable 80	80%	14.9%	0.27%	0.52%
Global Sustainable 100	99%	16.7%	0.25%	0.50%

Invest fairness guarantee

Transparency and fairness are very important to us. That is why we only charge our VIAC Invest funds a flat management fee. This fee covers all costs incurred, ensuring that there are no hidden fees.

Many providers charge additional costs on top of the management fee – such as annual fees from the supervisory authority, audit company fees or publication costs. Although this practice is permitted by regulation, it reduces the performance of investors. VIAC deliberately avoids such additional charges and offers a fair and transparent cost structure.

Selection Process

The following selection criteria are applied when choosing target funds:

Benchmark

Each index investment is strongly oriented towards an underlying benchmark index. In order to ensure that the individual strategies are globally diversified and sensibly distributed according to asset classes and regions, the appropriate benchmark indices must be selected beforehand. Note that this preselection is not always obvious: For example, the SMI, SLI, SPI and SMIM all reflect the Swiss stock market, but they all differ greatly in terms of diversification and risk/return profile.

Quantitative characteristics

In order to reflect the preselected benchmark indices as well and as cost-effectively as possible, the following quantitative criteria are used: product fees, trading liquidity, tracking error (deviation from the benchmark), and trading spread. These characteristics are regularly checked and guarantee an optimal and customer-oriented choice of the target funds used.

Replication

According to the fund contract, investments may only be made in target funds that replicate at least 90% physically. Therefore, they effectively invest in the securities of the underlying benchmark index. Investments in synthetically replicating products are not made, as these are exposed to counterparty risk.

Tax influences

VIAC funds are generally exempt from stamp duty. Care is taken to ensure that the target funds are optimized with regard to withholding tax and that either no withholding tax is deducted or that it can be reclaimed if possible.

Asset List

Liquidity

Name	ISIN	Currency	Costs	Factsheet	Prospectus
Invest account	-	CHF	-	-	-

Bonds

Name	ISIN	Currency	Costs	Factsheet	Prospectus
VIAC Bond Corporate CHF	CH1336969089	CHF	0.20%
VIAC Bond Total Market CHF Sustainable	CH1336969055	CHF	0.21%

Equity Switzerland

Name	ISIN	Currency	Costs	Factsheet	Prospectus
VIAC Equity Switzerland	CH1336969154	CHF	0.20%
VIAC Equity Switzerland Sustainable	CH1336969097	CHF	0.21%

Equity Developed Markets

Name	ISIN	Currency	Costs
VIAC Equity Europe	CH1336969139	CHF	0.22%
VIAC Equity North America	CH1336969063	CHF	0.22%
VIAC Equity Pacific	CH1336969121	CHF	0.21%
VIAC Equity Europe Sustainable	CH1336969147	CHF	0.24%
VIAC Equity North America Sustainable	CH1336969030	CHF	0.30%
VIAC Equity Pacific Sustainable	CH1336969071	CHF	0.26%

Equity Emerging Markets

Name	ISIN	Currency	Costs	Factsheet	Prospekt
VIAC Equity Emerging Markets	CH1336969105	CHF	0.29%
VIAC Equity Emerging Markets Sustainable	CH1336969048	CHF	0.33%

Real Estate

Name	ISIN	Currency	Costs	Factsheet	Prospectus
VIAC Real Estate World	CH1365955884	CHF	0.44%
VIAC Real Estate World Sustainable	CH1336969022	CHF	0.45%

Commodities

Name	ISIN	Currency	Costs	Factsheet	Prospectus
VIAC Gold	CH1336969113	CHF	0.29%

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