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Old 03.12.2017, 13:21
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New low-cost 3a offering: VIAC

Hello there

Have you read about the new 3a Product VIAC:
https://www.fuw.ch/article/ein-preis...ge-aufmischen/
https://viac.ch

What is your opinion on this?
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  #2  
Old 15.12.2017, 22:18
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Re: New low-cost 3a offering: VIAC

I like them and I am thinking of signing up for a 3a account with them.

They let you invest up to 80% of the 3a pillar money into the stock market, at very low fees (seem to me the lowest ones out there). For the moment you can choose among some predefined portfolios (swiss/global/etc), but apparently you should be able to have more freedom sometimes next year.

They are a small startup, but the money sits at at WIR bank and the funds at Credit Swiss, so I guess both would be safe if the startup fails.

I believe there's a lot of room for improvement when it comes to 3a pillar, and welcome this new company.

Anyone here uses them already?
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Old 18.12.2017, 18:13
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Re: New low-cost 3a offering: VIAC

No experience yet, but next year I will use them. By far the best concept out there, the only risk is that they don't get enough funds under management and stop after a couple of years.
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Old 18.12.2017, 20:12
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Re: New low-cost 3a offering: VIAC

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No experience yet, but next year I will use them. By far the best concept out there, the only risk is that they don't get enough funds under management and stop after a couple of years.
But then I guess, even if they stop, the funds should be safe(r).
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Old 18.12.2017, 20:21
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Re: New low-cost 3a offering: VIAC

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But then I guess, even if they stop, the funds should be safe(r).
Better read the T&C before you sign up!
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Old 19.12.2017, 13:47
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Re: New low-cost 3a offering: VIAC

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Better read the T&C before you sign up!
Will do. In the meantime, if you have done it, can you share some important points worth paying special attention to? Thanks!
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Old 09.01.2018, 15:16
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Re: New low-cost 3a offering: VIAC

You may want to check
https://forum.mustachianpost.com/t/a...om-viac/545/41
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Old 10.01.2018, 22:17
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Re: New low-cost 3a offering: VIAC

Today I called UBS to ask for some information concerning the transfer the money invested in the USB Vitainvest funds to another bank or provider such VIAC. The telephone operator told me that UBS does not charge any fee to clients on the 3a pilier funds. This seems very strange to me, as in the fact sheets it's reported a TER of 1.73%.
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Old 11.01.2018, 11:58
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Re: New low-cost 3a offering: VIAC

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Today I called UBS to ask for some information concerning the transfer the money invested in the USB Vitainvest funds to another bank or provider such VIAC. The telephone operator told me that UBS does not charge any fee to clients on the 3a pilier funds. This seems very strange to me, as in the fact sheets it's reported a TER of 1.73%.
What's the contradiction? You never see TER as a direct charge to your account, instead they help themselves to fund's assets directly, devaluating NAV of the shares that you've bought. And you're not forced to buy it, in which case there'll be no such charges whatsoever
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Old 11.01.2018, 19:12
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Re: New low-cost 3a offering: VIAC

Thanks for the reply, this was also my understanding . Probably the operator was a bit confused (or disingenuous).
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Old 17.05.2018, 17:29
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Re: New low-cost 3a offering: VIAC

Has anybody had any experience with using VIAC so far?

I'm thinking of switching my UBS cash 3a over to them. The UBS fees for their 'vitainvest' funds are eye-watering and I won't want to keep it in cash for a long time.

I won't add any more money to my 3a for the foreseeable future
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Old 17.05.2018, 17:54
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Re: New low-cost 3a offering: VIAC

I am very happy with them, it took me 10 minutes to open the account and have invested 100% in the Schweiz 100 fund. I like the VIAC app. But the real test will be the reporting for tax purposes. I hope they get enough funds under management, but i doubt it. My other 3. Säule accounts are with Postfinance, CreditSuisse and Raiffeisen, I always invest into funds with highest percentage of stocks. I think they only transfer cash into the funds once a month ("rebalancing"), but I am not 100% sure. I
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Old 17.05.2018, 18:31
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Re: New low-cost 3a offering: VIAC

Also happy. Verwaltungsgebühr come in at 0.5%. Performance is way better than the 0.2% I had previously.
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Old 17.05.2018, 18:42
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Re: New low-cost 3a offering: VIAC

Also happy. Verwaltungsgebühr come in at 0.5%. Growth over three months at 7% is way better than the 0.2% p.a. I had previously.
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Old 17.05.2018, 18:52
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Re: New low-cost 3a offering: VIAC

No english version on viac? Interested but won't look further w/o EN.
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Old 17.05.2018, 19:35
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Re: New low-cost 3a offering: VIAC

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No english version on viac? Interested but won't look further w/o EN.
Seems not... hopefully they will introduce it if they get enough customers

This one is in English https://www.simplewealth.ch

They seem to charge 0.5% plus ETF fees and use the InteractiveBrokers platform to invest in ETFs, within a 3a. Crazy fees but its a 3a so...

Last edited by Enohzee; 17.05.2018 at 20:10.
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Old 18.05.2018, 09:45
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Re: New low-cost 3a offering: VIAC

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Seems not... hopefully they will introduce it if they get enough customers

This one is in English https://www.simplewealth.ch

They seem to charge 0.5% plus ETF fees and use the InteractiveBrokers platform to invest in ETFs, within a 3a. Crazy fees but its a 3a so...
Ignore me... it seems that they do not offer this ETF platform within a 3a - the 3a is a separate product.

So I don't know any alternatives to VIAC
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Old 18.05.2018, 10:20
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Re: New low-cost 3a offering: VIAC

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No english version on viac? Interested but won't look further w/o EN.
I was able to sign up just fine without having sufficient German (or French or Italian). It was a little tedious translating things to ensure I understood the T&Cs but once you're up and running the VIAC team are very responsive and all speak excellent English.

So I'm also happy with VIAC so far and use their Global 100 fund. Given it's 97% stocks I'm sure it will tank a lot during the next recession but I'll happily take the swings versus opening 3a savings or 3a insurance account.
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