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ByInvesting Hero
December 4, 2019

VIAC Review 2023 – Is the VIAC 3rd pillar any good?

VIAC offers some of the most competitive rates to invest your third pillar in Switzerland. Infact, as of today, they are the cheapest way to invest – are they worthy of your pilar 3A?

This page is also available in: Deutsch

Overall Rating
 4.8 ⭐⭐⭐⭐⭐ Β· πŸ† Market Leader Β·

At Investing Hero, we aim to provide the best investing basics. To support this, some of the products featured in articles will generate an affiliate commission which helps pay to run this website. However, this doesn’t influence our evaluations. Our opinions are our own. The information provided on Investing Hero is for informational purposes only. Please read our disclaimer.

Headquartered in Basel and founded in 2017 by Daniel Peter, Christian Mathis and Dr. Jonas Gusset, VIAC Switzerland was born from the idea to offer a simple, cost efficient and transparent way to save for your pension. In this review we’ll discover if the VIAC 3a is worth using.

But before we get into the details, a quick primer on the third pillar in Switzerland for those that aren’t familiar. Feel free to skip this part if you know already.

🎁 Bonus: Remember to check out my pillar 3A comparison page which lists the top providers in Switzerland and all the current Investing Hero reader deals & bonuses. Enjoy!

Table of Contents hide
1. What is a third pillar?
2. What is the pillar 3a maximum 2021?
3. How do you invest your third pillar?
4. What else could you do?
5. Enter the VIAC 3a.
6. VIAC Switzerland – Pros and Cons
7. Opening an account with VIAC
8. Funding the account
9. Login & Security
10. Viac Fees & Charges
11. Customer Support
12. Additional Resources
13. Reader offers & deals
14. Closing thoughts
15. 2021 Update

What is a third pillar?

In Switzerland, the third pillar (aka the β€˜Pilar 3A’ or β€˜SΓ€ule 3a’) is part of the pension system and an optional private plan to supplement your state (aka – first pillar) and company (aka – second pillar) pension plans.

Moving money into your third pillar has several benefits, from being tax deductible to having the option to pledge against a property purchase.

Contributing toward a third pillar plan is generally regarded as a good move.

What is the pillar 3a maximum 2021?

If you already have a pension fund the maximum contribution is 6883 CHF per year, without a pension fund it’s 34,416 CHF (up to a max of 20% of your income).

However, with interest rates at historic lows, you risk pumping capital into an account you can’t touch for years, and with tax benefits aside, could result in very little return on your nest egg compared to, say, a traditional index fund.

Insurance companies offer third pillar solutions, but caution should be exercised when dealing in this area. The industry lacks transparency, contracts hide away fees into the small print, and you could easily fall into the trap of bundling life insurance into your policy. Like I did.

Do not go through a broker and overcomplicate your contract with insurance. You’ll pay a penalty to break the contract, and you’ll be overcharged on the insurance.

Β» Related reading: 8 Common Investing Mistakes to Avoid

OK, I’ll get off the soapbox.

How do you invest your third pillar?

Most banks offer their own branded investing options for your third pillar, however you should take care to avoid many of these due to the eye watering fees and additional charges. An example would be something such as a UBS Vitainvest fund, which have annual fees north of 1.5%. It’s too high for me.

That said, it’s worth looking through what your bank offers, however they tend to bounce around this 1-1.5% range regardless of the bank, even the better value ones from the likes of Post Finance.

What else could you do?

Services such as Swisscanto (e.g. the Swisscanto Index 45 RT, factsheet here) are a little more attractive, and while they are supported on request by most banks, the rates and fees will differ from bank to bank. Again not the perfect solution, but you have quite a range of different funds at your fingertips.

You’ll have to ask the bank, they’ll send you a form in the post which will need returning with the ISIN of the fund you want to buy. It’s an old school paperwork process, but it works.

However, once everything is factored in (e.g. transaction costs, entry & exit fees) the yearly fees could creep over 1% depending on the bank, so it’s not always the most cost effective solution.

But that said, it’s better than leaving it in a β€˜vanilla’ bank account and doing nothing (or even worse, contributing to an insurance policy) for 35 years.

However, there is an alternative in this growing space challenging the mainstream.

Enter the VIAC 3a.

The VIAC 3rd pillar offers some of the most competitive rates to invest your third pillar in Switzerland. Infact, as of today, they are the cheapest way to invest and have over 16,000 clients already doing so.

The transparency on these fees is refreshing, but they are also heavily focused on streamlining the customer experience and ensure the account opening process is extremely straight forward and pain free. Which is awesome.

Despite the fancy SAS style front end and slick user interface, VIAC is backed by the Terzo Pension fund from WIR Bank based in Basel, which has some 6 billion CHF under management and is regulated by FINMA. Securites are held with Credit Suisse.

VIAC Switzerland – Pros and Cons

As you can see from the rating above and this review, VIAC is crushing it. For a third pillar option in Switzerland you can’t really go wrong – and the market is playing catchup as VIAC leads the way with rock bottom prices and a slick customer experience.

ProsCons
  • Cheapest way to invest through a pilar 3a
  • Slick new customer account opening process
  • User experience and the mobile app are market leaders
  • Lots of portfolio options to dive into
  • No second pillar support (yet)
  • No physical office to visit
  • …really struggling to find any other cons here.

Opening an account with VIAC

VIAC has recently announced tablet and desktop versions of the platform, however this review will focus on the mobile app. You can visit VIAC.ch for more info.

First up, either download the app directly from the homepage, or navigate to the app store for either iOS or Android and download the VIAC mobile app. It’s a light download (under 35MB) that won’t ruin your data usage or phone storage:

Open up the app after installing, and you are ready to get going. Tap register on the screen below:

Enter your name, address and a secure password and proceed through the next 2 screens, you’ll then get the following confirmation message:

Now we move onto the defining the type of investor you are, these can be changed later but select the most relevant for you:

The next screen is similar, although now it shows the potential returns on your investment over the long term. You can drag the slider to adjust your risk profile:

Standard questions for financial compliance are up next – how much do you know about investing? Make your choice and tap next:

You’ll then get an assessment based on the past two choices, which gives a nice summary and the reasoning behind your profile:

At this point you will start to shape the structure of your potential portfolio. Again all of this can be changed, but generally the global option gives you the most diversification:

And here we go- already we have a portfolio proposal and some future forecasts.

The β€˜Global 80’ consists of, unsurprisingly, 80% global equities (e.g. ETF index funds). You can rotate the wheel for the other options, all the way to 100% equities should you wish.

You can also tap the β€˜Details’ on the top right to read more about the investment strategy, and what will be included specifically in your future portfolio.

For this demo we’ll select Global 80 and tap β€˜Select Strategy’:

Next is one of my favorite concepts about fintech today in Switzerland – disrupting decade old processes and bringing a massively optimized solution to verify users.

No more signed notary passport photos, or registered letters to post – just take a photo and you are done:

Terms and conditions up next, which you then need to electronically sign with your finger:

Congrats – you’ve opened an account. How easy was that?

One last thing you need to do before using your account is verifying your email. To do that, tap profile, settings, and β€˜Verify email’. You’ll need to enter the code waiting for you in your inbox:

… And that’s it. Your account is open, verified and ready to be deposited with your CHF.

Funding the account

Funding the third pillar is straight forward and can be accessed directly in the app under β€˜Deposit’ from any screen. From there you’ll see the bank details to make the transfer, which can also be used to setup a monthly payment – just calculate it correctly to avoid going over 6.8K.

Login & Security

As expected banking grade security is present and of a similar standard to regular online banking. You be asked to create a secure password and you can enable Face ID on iOS. SMS alerts and verification are used for large portfolio changes.

In terms of the cash and securities, they are excluded from being touched should WIR Bank or Credit Suisse go bankrupt.

Viac Fees & Charges

VIAC is transparent and upfront with the fees, which are based on the portfolio you have selected. The standard β€˜non invested’ version (like a plain vanilla bank account) is completely free, you only pay when you have equities.

The more equities in the portfolio, the more you pay – but refreshingly with VIAC, the difference isn’t by much as you can see via the table below:

Global 200.18%
Global 400.30%
Global 600.42%
Global 800.53%
Global 1000.53%

For the latest rates visit this section on VIAC website.

Customer Support

The live chat is pushed as the preferred method for support and has been very responsive with our tests and support queries. Phone and email are also available.

Additional Resources

I feel expanding the knowledge base and enabling more community interaction would be an interesting idea to explore in order to support their content marketing efforts.

Topics around the various portfolio options available, market trends and thought leadership would be interesting reading (for me anyway) with some product experts chiming in to fuel the discussion.

Reader offers & deals

VIAC are now offering free management on your pilar 3A up to the value of 5000 CHF for an entire lifetime. Due to the volume of discount codes been added to the comments, I’ve pasted them into a single Google Sheet for you to grab them:

-> https://docs.google.com/spreadsheets/d/1Yh7C-9mwuQtRn9JpgTHU4jsPYb1LacLOlJ4ew2pUt5Q/edit?usp=sharing

Enjoy πŸ™‚

🎁 Bonus: Remember to check out my pillar 3A comparison page which lists the top providers in Switzerland and all the current Investing Hero reader deals & bonuses. Enjoy!

Closing thoughts

At the time of writing you’d be hard pressed to come up with reasons not to invest your third pillar through VIAC. Unless something considerable happens in this space the mainstream banks are still a long way off from competing with VIAC. VIAC won’t give you a sitdown meeting and free coffee however.

We could start to see more roboadvisors offering this, but for now the options are limited and VIAC remains the market leader. Until they get bought out by a cantonal bank, its a smart move for a third pillar.

2021 Update

Since this review was published there have been many other providers entering the space, including Selma and Finpension to name a few. Be sure to check out my comparison page for more details and to read about the latest reader offers and deals.

ByInvesting Hero
Updated

Read Next

  1. Here are some working codes to get 500 CHF managed for free:
    zC1Kub9
    JCYRZQh
    oCYR20P
    BCELfWY
    1Czed0s

  2. Thank you for the comprehensive article! very nice. If anybody needs more codes – here you go:

    KCq5xw4
    BCtS0oK
    eCgjwXB
    fCDvMUh
    1CMlalH

  3. Thank you for this interesting and comprehensive article!

    Here are some working codes to get 500 CHF managed for free:

    CCt5Xoa
    CCOxDTf
    fC08Aon
    oCGTjK2

  4. Thanks for the article! I just invested and I’m glad I read this.

    Here are some codes for anyone seeking to get their first 500 CHF managed for free for a lifetime:

    MC3hJWz
    ZCLDjg5
    4CyQrjH

  5. Great Article, contains everything I wanted to know.

    My codes
    JCcK9UB
    zCpfcmZ

  6. Thank you for this article!

    In case previous discount codes are no longer working, mine are

    pCtcwT7
    SCLFp1y
    uCQFzSe

  9. Danke fΓΌr die vorhergehenden Codes πŸ™‚
    Hier noch aktuelle:

    EC8VHEi
    ECtp24B
    fCeX578

    Cheers

  12. Hi everyone, here are some more codes in case you already haven’t signed up. Highly recommended!
    SCMoiN2
    eDChJD
    Regards

  13. Neue Codes vom 03.06.2020->
    Verwende bei der Registrierung folgenden Code:
    HCjRYuJ
    PCoYXXu
    8CUxUM8

  14. Wow, ich hΓ€tte das nicht gedacht. ETFs statt Aktien Fonds. Das nenne ich die modernste Art von Vorsorge in die SΓ€ule 3a, die auch wirklich Sinn macht. Vielen Dank fΓΌr deine beratetenden Worte ΓΌber viac.ch

    Ganz neu: Verwende bei der Registrierung folgenden Code:

    QC4LcNP oder 9Cygmj7

    Dann erhΓ€llst Du auf den ersten CHF 500.00 VorsorgevermΓΆgen keine VerwaltungsgebΓΌhr – ein Leben lang!

  15. Hi everyone, here are some more codes in case you already haven’t signed up. Highly recommended!
    qCvodmm
    uCxUljm
    gCJRKSo
    uCevkk2

  18. Oh wow My codes were actually used by 2 people. Who would have tough …

    Here are 2 more just in case some one needs it:

    cCrFKIy
    2C49wkj

  19. Thank you for the review and the codes ! I used one from above ! Great stuff:

    Here are some generated today:

    GCQdzpm
    0CVNpX5
    eCdMvXn

  21. Hi there,

    good review. I just opened my VIAC account – like the flexibility and low fees.
    You take some, you give some – here are three codes, freshly minted:
    zC1pW1o
    QCo8jQ4
    4C0DvTB

    Cheers,
    J

  23. Feel free to use this referral code to get 500 CHF managed for free:

    JCIMNKI
    GCNrriv
    TC9Op2y

  26. Hey – great review!

    Feel free to use the following referral codes:

    dCaEWuV
    zCiIZ2J
    7CfmGUY
    UCI2ddb
    oCQdoIN

  29. Hello,

    I have a doubt regarding VIAC or UBS. I have 3a in UBS without been invested in any funds and I would like to put in a funds. I was going to transfer my 3a pillar money from UBS to VIAC but UBS worker told me that there is no commission in you have a 3 pillar in UBS and put the money in Vivainvest fund. Please, read below the conversation I had with the UBS worker:

    Hello Jesus,

    Yes there is indeed fees related to the vitainvest fund but it is supported by UBS.
    The client does not pay any fees/charges related to funds invested through 3rd pillar.
    The fees apply for regular fund (outside of the 3rd pillar).

    I hope this answer your question and I remain at your disposal for any other information.

    Have a nice afternoon

    Best regards

    UBS Switzerland AG
    Agence de NeuchΓ’tel
    Conseiller Clientèle
    Anthony Ribeiro

    —— Message original ——

    Hi Anthony

    I found fee in Vivainvest https://www.ubs.com/2/e/files/RET/FS_RET_CH0293174600_CH_EN.pdf

    management fee 1,28% and ongoing charges 1,67%.

    Please, can you check it. You informed me that invest my 3rd pillar in vivainves doesnΒ΄t have any fee but the brochure says yes.

    Thansk
    Jesus

    Is it correct the info he gave me?

    Thanks for your help,
    JesΓΊs Sanchez

  31. Hi, thanks for the helpful article!
    Feel free to use my codes for an easier start:
    qCqCBvs
    RCIsc9a
    gCNZ2gW

  32. @JesΓΊs Sanchez – Are UBS saying the fund is free in that case? πŸ˜€ No commissions, no custody, no entry/exit, no conversion fees… lol yeah right.

  34. Hi, thanks for the very helpful article.
    Here are some fresh codes if someone is interested:
    nCaDouI
    wC043sV
    gCzfhuF

  35. Here are some new codes:

    bCms6n9
    8CbvPuu
    yCmWzNC
    gCX01Eg

    Each code is new worth up to 1500.- CHF of assets managed for free!

  36. I recently opened my VIAC account and I’m very satisfied. Here are my codes to get 500 CHF managed for free:

    1Cf97H8
    TCWI2yj
    qC0mj1f

  37. I have Viac since 1 year and I can only recommend it. i have 3 accounts. global 60 where i transferred the money from a previous bank account, and 2 young accounts global 80 and swiss 80. overall about 4% plus this year. not bad, considering covid!
    some codes below, as the referral program has just been improved, increasing the tax free amount from 2000 to 5500 chf!

    nCDatkB
    BCY6Eih
    PC0tV2w
    RC0jvAz
    bCSIPO1
    KCoeWJN
    0C7iESr
    CCYfrqt

  40. Good article. I’m absolutely satisfied with Viac and recommend it to everyone.

    Codes to get 500 CHF managed for free
    uCusmun
    ICqjucw

    Cheers

  41. Here are some working codes (as of 13.11.20) to get your first 500CHF managed for free:
    2C5Y8oi
    TCxb2rH
    BC7wcxE
    zCA8XtO
    gC13kPL

  42. hey all… quick question… how does one apply these codes ? only whenever money has hit/been deposited into the viac account ?

  43. Hi all,

    How do these codes work?? Only during initial viac signup?? I created viac account last year before finding investinghero.ch.

    Cheers

  45. These codes were freshly baked this morning-16.11. Enjoy your first 500 CHF managed for free!!!

    lCf9gzu
    pCnm1K
    pCnm1KA
    UC6fAWu

  47. Thanks for the article! I’m also very happy with VIAC 3a so far.

    Here are some more codes for people to use:

    VCQam81
    aC9bhvr
    vCXN465
    QCC9V5E

    Cheers!

  48. Great article! Very happy with VIAC 3a! Here a few codes, for others to enjoy as well:

    ECIR7fB
    oCSiJzl
    SChkqgX
    HCerO14
    cCbwrrY

  49. Hallo!
    Dank dieser Empfehlung bezahlst du auf den ersten CHFΒ 500.00 VorsorgevermΓΆgen keine VerwaltungsgebΓΌhr – ein Leben lang! πŸ™Œ

    Verwende bei der Registrierung einer folgenden Codes:

    rCgPXeC
    ACGB2uh
    wC4I4HX
    4CSiG7U

    Viel Spass beim Sparen!!

    Gruss
    Simone

  52. VIAC was absolutely the right choice. If you also want to move your 3rd pillar to VIAC you can use one of these codes to get your first 500CHF managed for free.
    0CUDwzI
    sCJ90bP
    RCdVxwu

  54. Thanks for this great article, it convinced me to switch!
    Here are a few fresh codes for those who need one:
    zCAVBhY
    GCxgDHu
    mCHrgkB
    OCCKk3Z
    5CILgz2

  55. Use the code and get your first CHF 5000 managed free with VIAC. Last three left only

    zCiX2Ub
    8CTQMGl
    tCzo6fd

  56. Thanks for this wonderful article Mr IH.

    get FREE maintenance of your first CHF 500 with codes below:

    YCurxpz

    4CAejd0

    MCn4uNj

    UC4WEFG

    MCakA5G

    Thank you and enjoy your CHF 500 freely maintained with VIAC

  57. Referral codes for administration fee waiver; get your first 500 CHF managed for free for your entire lifetime πŸ™‚

    sCQqFLd
    kC8gfNo
    sCidN4r
    NCBP1rY
    pCwKzyo

    Thanks,
    David

  58. Thank you so much for sharing this article, really helpful.

    Some very fresh codes to save fees on your first 500chf with VIAC (only these two left)

    jCxYt6N
    RCpM2pP

    Thank you!

  59. I just joined VIAC thanks to your review!

    Here a some new codes for other joiners (no fees for first 500 CHF invested):

    7CYICQN

    BCLoykl

    7C6cUJE

    5Cgm6wr

  60. Thanks for the article!

    Paying it forward with the referral codes:

    dCw8U0K
    LCwDUUV
    WCOQQJ6
    iCW5hkM
    ACDAz7j

    Cheers,
    Daniel

  61. Referral codes for administration fee waiver; get your first 500 CHF managed for free for your entire lifetime πŸ™‚

    KCAFcEM
    LCpCqFn
    9CT2krq
    mCgyQB4
    yCETQqX

    Thanks,
    Mirriam

  62. Thanks for your review! I just joined VIAC and got a code through the comments above. πŸ™‚ Here a some new codes for other joiners (no fees for first 500 CHF invested):

    iCkzrJI

    HCBAUUJ

    qCQV5jn

  63. Thanks for the article! I’m also very happy with VIAC 3a so far.

    Here is my last code to get your first 500 CHF managed for free for lifetime.

    ZCBH57f

    Thank you

  64. Hi,
    thx a lot for the review and thx for sharing the codes, too!
    Here are new codes:

    oCzsK3t
    NC3fAPZ
    hCH1GKx
    QCqdJo6
    rCViV07

    Regards,
    Klaus

  65. Great article and review! Used a code from above and sharing mine if anyone wants to use and get their first 500CHF managed for free with viac.ch

    UC40zET
    nCxpFpM

    Thank you

  66. Thanks for the article!

    Here are some codes for new joiners (no admin costs for first 500 CHF):
    qCrFxW6
    NCD8hkH
    kChdQ9u
    gCzVmfv

  67. Thanks for the review, I’ve just signed up for VIAC in no small part because of this. πŸ™‚
    Also thanks everyone for your codes!

    I would also like to share mine if you don’t mind, since it’s a win-win situation. Get rid of the administrative fees on your first CHF 500 for life. If one of the codes is already used, try the next one.

    Don’t be alarmed when you can’t enter the code right at the beginning of the registration: The code can be entered towards the end of the initial sign-up process.

    DC1VS7c
    ZCjKCWZ
    ZCIMSuF
    ZCKOLyQ
    mCbxzPF

    And here are the codes of my SO πŸ™‚

    wC51XdZ
    JCjHXBK
    lCdAzdi
    jCX8hPZ

    Cheers and happy saving/investing!
    LM

  68. Great article, and thanks for the codes.
    Here are some fresh ones πŸ™‚

    0C2CCMj
    sCGuNvC
    fCDkeRC
    CCr4AfU
    XCxuCli

  69. Thank you for the article.

    Find below referral codes (no fees for first 500 CHF invested):

    4CGRqpF
    rCGMNFk
    LCrBWxg
    vCFkSFR

  71. Thanks a lot for the article

    Here a some new codes for other joiners (no fees for first 500 CHF invested):

    BC6i0dC
    QCdyTSh
    fCSkhs1
    ICmoLNZ
    6C5LABI

    Best regards,
    Ismael

  72. Thanks for this great article!
    Here are two of my referall codes to save the management fees on the first 500chf

    LCAwGxx
    UCJZ2al

    Thank you!

  73. Hi,

    Thanks for the review and also for sharing the codes!

    Paying it forward with 2 new codes:

    1CFzubY
    0C0AM9g

    Regards,
    Daniel

  75. Hi,

    Thanks for the review and also for sharing the codes! Here are new codes:

    TCHQRsX
    6C8orVK
    kCqzixS
    tCrHlWR

  76. Hi,

    Thanks for this great article.

    Below are 4 new codes:
    nCTm2lj
    qCkzxMX
    jCzhRBz
    bCqUDMN

    Regards,
    Greg

  77. Thank you very much for this helpful article. Please find below some more working VIAC codes so we can save together. Happy end of year holidays!

    jC9f22g
    8CYlT9i
    9CBrvTQ
    hCxO4no

  79. Nice review thanks. I second your review completely. Viac is by far the easiest investment platform for 3a pillar I’ve seen around.

    A few more codes to get 500 CHF off:

    bCJaFOH
    uCUxF9N
    VCrV7Wk

  81. Thanks for the review.
    Use the following code to register to get 500 off:
    NCcTzpa
    lC3RbkE
    jCttjEu
    qCgztck
    7CNyeIt

  83. Hello
    Referral codes for administration fee waiver; get your first 500 CHF managed for free for your entire lifetime πŸ™‚

    yCy2oie

    5CSkZJs

    XCV9m2G

    MCwrRsU

    Thanks,
    Chriso

  84. Here are some of my new codes:
    XCdvINX
    fCoP2xY
    OCVYVMe
    9CF9djt

    Thank you for this guide. Your tips and info was very helpful !

  89. I also have one more referral code for VIAC:

    cCdXQ40

    Apply at the end of registration to use VIAC and have the management fees offered for your first 500.- for life.

  93. Thanks a lot for the article
    Here, my referral code to save fees on the first 500chf

    FCYcrjs
    QC85zks
    RCaVIHz
    4CoYUAD
    eCZCy9e

    Best regards,
    Ismael

  95. Thank you for the report. Viac.ch is a great solution for the 3rd pillar.
    Use one of the following codes and you will get 500Fr. managed for free:

    nCYVZJW
    yCkHYli
    HCDxlRe

  98. Thanks for the quality info!
    These are currently valid quotes to get 500chf taxes saved:
    KCOHjEl
    uCmK69M
    SCvu0wx
    sCbKz5h

    Happy savings!

  99. Thank you for the review. I am glad I chose VIAC.

    For those who still need to create a VIAC account: use one of the codes posted here to save on fees.

    Here are a couple new codes:

    5CrefXD
    cCRnlqB
    BCO49wo

  100. Hello

    Opened an account with VIAC on Monday and sent in money yesterday. New referral codes to save mamangement fees on your first 500 CHF asset below:

    rCuW2nQ
    JCCSEiQ

    Cheers

  101. here some new referral codes to save management fees on your first 500 CHF asset:
    5CWHIVy
    2CB6DuT
    qCRFRA4
    pCUJE4
    iCxGNub

  102. Thank you for the detail write up! Very useful. πŸ™‚

    Here’re referral codes for saving management fees on your first 500CHF:

    4CnEeL2
    RCyZR4d

  105. I moved my 3a savings to VIAC a few months ago and am happy about it.

    To save the management fees for your first 500 CHF use the codes:

    NCewCfr
    yCT7Wlf
    oC4fCmG

  109. More codes to save the management fees of your first 500chf with Viac3a

    hCN605Q

    aCamVYl

    3C0ZphZ

    tCX67J8

    nCZQdZN

  110. I can also highly recommend VIAC. I opened multiple portfolios with different strategies (Global 100, individual unhedged global 100, NASDAQ-focused).
    I hope the following codes can be of help for those who are considering opening an account:
    JCd3Yyb
    HCfmg8O
    sCusqlw
    pCh3NIu
    5CB43cX

  111. Hi guys!

    Some more codes to profit from:

    2C5V8kB

    kCzVzKO

    GC9V6qC

    1CU71vJ

    4CMhnmz

  113. Hi all,
    one more code for you:

    VCTMro2

    By the way, Viac just reduced some costs, too!
    Regards,
    Klaus

  115. More codes to save the management fees of your first 500chf with Viac3a

    iCILQsm
    3CqmQ4B
    2Ce5nJg

    Set up ur account now, best decision ive ever made!

  121. Viac fits well into a minimalist life style.
    – Incredibly efficient registration (takes around 10 minutes and when using the code 5CSAYB6 in the registration process, you pay no administration fee on your first 500 CHF pension assets)
    – Great customer service (fast response)
    – One app, no extra mumbo-jumbo
    – Can be used for tax-returns if you pay standard tax or “Quellensteuer”

    Very satisfied.

  123. Here are 3 new codes for your registration at VIAC πŸ™‚
    I’m glad if you use one of these.
    With this code you will invest your first 1’000 CHF for free – for a lifetime.
    cqb5TFF
    mdfYjVi
    46TpXLy

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