{"id":24619,"date":"2025-09-28T21:02:05","date_gmt":"2025-09-28T19:02:05","guid":{"rendered":"https:\/\/heyneo.ch\/?post_type=product&#038;p=24619"},"modified":"2026-02-08T11:49:35","modified_gmt":"2026-02-08T10:49:35","slug":"viac-pillar-3a-review","status":"publish","type":"product","link":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/","title":{"rendered":"Our Review of the VIAC Pillar 3a Account in 2026"},"content":{"rendered":"\n<p><strong>A transparent and low-cost <a href=\"https:\/\/heyneo.ch\/#pilier3a\" type=\"link\" id=\"https:\/\/heyneo.ch\/#pilier3a\">Swiss 3a<\/a> investment solution? Our feedback allows us to determine whether this promise holds true. The result: with reduced fees, flexible strategies, and 100% equity options, VIAC continues to set the standard in Switzerland. But who is this solution designed for?<br\/><\/strong><\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gspb_container-id-gsbp-11a7e4c{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-11a7e4c.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-11a7e4c.gspb_container{position:relative;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-11a7e4c\" id=\"gspb_container-id-gsbp-11a7e4c\"><style>.gs-autolist{margin:15px 0 30px 0;border:1px solid #dddddd7d;}.gs-autolist-item{padding:15px 15px 15px 5px;display:flex;align-items:center;}.gs-autolist-title,.gs-autolist-title a{font-size:18px;line-height:24px;text-decoration:none}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-item{background-color:#ffffff}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-item:nth-child(2n){background-color:#ffffff}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-title a{color:#ec4da3}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{border-radius:50%;color:#fff;margin:0 20px 0 15px;text-align:center;font-weight:700;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{background-color:#f4b6d9}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{color:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dsecondary,var(u002du002drehub-sec-color))}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{height:20px;line-height:20px;width:20px;font-size:13px;min-width:20px;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs_sub_heading .gs-autolist-number{font-size:70%;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-title a{text-decoration:dotted underline;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist{border-style:none;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist{border-bottom-style:none;}<\/style>\n<div class=\"wp-block-greenshift-blocks-toc gs-toc gspb_toc-id-gsbp-87fad4ca-0f99\" id=\"gspb_toc-id-gsbp-87fad4ca-0f99\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ItemList\"><div class=\"gs-autolist\"><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">1<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"VIAC's Offering\"><a class=\"gs-scrollto\" href=\"#1-offre-viac\">VIAC&#8217;s Offering<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">2<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Security\"><a class=\"gs-scrollto\" href=\"#2-viac-securite\">Security<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">3<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Opening a 3a account\"><a class=\"gs-scrollto\" href=\"#3-viac-ouverture-compte\">Opening a 3a account<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">4<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Investment Strategy\"><a class=\"gs-scrollto\" href=\"#4-strategie-investissement\">Investment Strategy<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">5<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Fees\"><a class=\"gs-scrollto\" href=\"#5-viac-frais\">Fees<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">6<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"The VIAC App\"><a class=\"gs-scrollto\" href=\"#6-app-viac\">The VIAC App<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">7<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Customer service\"><a class=\"gs-scrollto\" href=\"#7-viac-service-client\">Customer Service<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">8<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"3a Withdrawal\"><a class=\"gs-scrollto\" href=\"#8-viac-retraits\">3a Withdrawal<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">9<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Is VIAC right for you?\"><a class=\"gs-scrollto\" href=\"#9-viac-pour-vous\">Is VIAC right for you?<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">10<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Comparison: VIAC vs. Finpension vs. Frankly\"><a class=\"gs-scrollto\" href=\"#10-viac-vs-finpension-vs-frankly\">Comparison: VIAC vs. Finpension vs.  Frankly<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">11<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Conclusion\"><a class=\"gs-scrollto\" href=\"#10-conclusion\">Conclusion<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">12<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Your review of VIAC\"><a class=\"gs-scrollto\" href=\"#9-votre-avis\">Your review of VIAC<\/a><\/span><\/div><\/div><\/div>\n<\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">1<\/span>\t<\/div>\t<div id=\"1-offre-viac\">\t\t<h2 class=\"mt0 mb0\"><strong>VIAC&#8217;s Offering: a Pillar 3a optimized for investment<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">VIAC&#8217;s Offering<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>VIAC is a Swiss 3a provider, launched in 2018, fully digital and focused on index investing. The account is opened with the <strong>Terzo<\/strong> pension foundation, hosted at <strong>WIR Bank<\/strong> in Basel. <\/p>\n\n<p>VIAC stands out from traditional banking offers, which are often rigid (predefined strategies with no room for adjustment), opaque (little information on fees or allocations), and lightly invested in equities (often less than 30%, even in &#8220;dynamic&#8221; profiles).<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"avec-viac-on-peut\"><strong>With VIAC, You Can:<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Invest up to <strong>99% in equities<\/strong>, depending on the risk profile<\/li>\n\n\n\n<li>Build a <strong>custom strategy<\/strong>, or choose from 5 standard profiles<\/li>\n\n\n\n<li>Track your performance and allocations at any time<\/li>\n\n\n\n<li>Distribute your assets across <strong>up to 5 3a accounts<\/strong><\/li>\n\n\n\n<li>Benefit from an optimized tax framework thanks to a rigorous selection of index funds<\/li>\n<\/ul>\n\n<p>VIAC, like other 3a solutions not linked to insurance, does not offer any additional protection in case of: death, disability, or loss of earning capacity<\/p>\n\n<p>In other words: If you can no longer work or if you pass away, the 3a capital with VIAC is simply transferred, but no additional annuity is paid out as a Pillar 3a linked to life insurance would.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">2<\/span>\t<\/div>\t<div id=\"2-viac-securite\">\t\t<h2 class=\"mt0 mb0\"><strong>Security: Is VIAC reliable?<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Security<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Funds are managed by the <strong>Terzo Pension Foundation<\/strong>.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Securities (ETFs, index funds) are <strong>deposited with WIR Bank<\/strong>, a Swiss bank supervised by FINMA.<\/li>\n\n\n\n<li>Liquidity (cash component) is <strong>covered up to CHF 100,000 by the Swiss deposit guarantee (esissuisse)<\/strong>.<br\/><\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"en-cas-de-faillite\"><strong>In Case of Bankruptcy?<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Securities are held off-balance sheet<\/strong> \u2192 they remain your property.<\/li>\n<\/ul>\n\n<p>Even in the event of bankruptcy of VIAC or the custodian bank, <strong>assets are protected<\/strong>.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">3<\/span>\t<\/div>\t<div id=\"3-viac-ouverture-compte\">\t\t<h2 class=\"mt0 mb0\"><strong>Opening a 3a account with VIAC<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Opening a 3a account<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>#gspb_image-id-gsbp-22f9f48 img{vertical-align:top;}#gspb_image-id-gsbp-22f9f48 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-22f9f48 img{width:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-22f9f48 img{width:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-22f9f48 img{width:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-22f9f48 img{width:auto;}}#gspb_image-id-gsbp-22f9f48,#gspb_image-id-gsbp-22f9f48 img{height:custom;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-22f9f48\" id=\"gspb_image-id-gsbp-22f9f48\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/09\/VIAC-Logo.png\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"1500\"><\/div>\n\n<p>Everything is done via smartphone or computer. Registration takes <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">10 to 15 minutes<\/mark>. <\/p>\n\n<p><strong>What you need:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Be domiciled in Switzerland or affiliated with OASI<\/li>\n\n\n\n<li>Have a valid OASI number<\/li>\n\n\n\n<li>Provide an ID document<\/li>\n\n\n\n<li>No minimum deposit<\/li>\n<\/ul>\n\n<p>The interface is simple, with strategy suggestions, a tax calculator, and a clear portfolio visualization.<\/p>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-6b8555d svg,#gspb_infoBox-id-gsbp-6b8555d svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-6b8555d svg{margin:0px !important;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-6b8555d\" id=\"gspb_infoBox-id-gsbp-6b8555d\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-d9b6778efdb65484db85ec56ba7adb78\">No initial minimum deposit is required. You can test the interface, define a strategy, and fund it later. <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759087280626\"><strong class=\"schema-faq-question\"><strong>Can you open a VIAC 3a account without being domiciled in Switzerland?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. You must be affiliated with OASI or receive income subject to Swiss social security contributions. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759087282196\"><strong class=\"schema-faq-question\"><strong>Can you transfer an existing 3a to VIAC?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. A pre-filled form is provided, and VIAC handles the transfer.<\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">4<\/span>\t<\/div>\t<div id=\"4-strategie-investissement\">\t\t<h2 class=\"mt0 mb0\"><strong>VIAC Investment Strategies<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Investment Strategy<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-5-profils-de-risque-prets-a-l-emploi\"><strong>5 Ready-To-Use Risk Profiles<\/strong><\/h3>\n\n<p>VIAC offers 5 standard profiles:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>0% equities (Safe)<\/li>\n\n\n\n<li>20%, 40%, 60%, up to 99% equities (Global 20 \u2192 Global 100)<br\/><\/li>\n<\/ul>\n\n<p>Portfolios use index funds from UBS and Swisscanto (ZKB &#8211; Zurich Cantonal Bank), chosen for their liquidity, low fees, and compatibility with the Swiss tax framework.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"strategie-personnalisee\"><strong>Custom Strategy<\/strong><\/h3>\n\n<p>You can also create <strong>your own strategy<\/strong>, using a highly visual simulation engine.<\/p>\n\n<p>VIAC <strong>automatically helps comply with 3a legal constraints<\/strong>, such as:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Maximum 50%<\/strong> exposure to foreign securities <strong>not listed in CHF<\/strong><\/li>\n\n\n\n<li><strong>Max equity exposure: 99% <\/strong><\/li>\n\n\n\n<li>Limitation of funds not compliant with the tax ordinance on tax deductions for pension contributions (OPP 3)<br\/><\/li>\n<\/ul>\n\n<p>Swiss restrictions are complex, but VIAC <strong>automatically applies them in custom portfolios<\/strong> to avoid any errors.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759087435814\"><strong class=\"schema-faq-question\"><strong>Can you change strategy later?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, for free, and as often as desired. Changes are executed quickly, with no transaction fees. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759087439758\"><strong class=\"schema-faq-question\"><strong>Is the investment passive or active?<\/strong><\/strong> <p class=\"schema-faq-answer\">VIAC only uses <strong>passive index funds<\/strong>, with automated management.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759087470582\"><strong class=\"schema-faq-question\"><strong>Is it risky to invest in equities in 3a?<\/strong><\/strong> <p class=\"schema-faq-answer\">Investing in equities always carries fluctuation risks. But in the long term (20\u201330 years), returns can be much higher than with a traditional savings account. <\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">5<\/span>\t<\/div>\t<div id=\"5-viac-frais\">\t\t<h2 class=\"mt0 mb0\"><strong>Fees: transparent and competitive<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Fees<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>This is one of VIAC&#8217;s strengths. <strong>0.44% p.a. max<\/strong>, including:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Management fees<\/li>\n\n\n\n<li>Product fees (Fund TER)<\/li>\n\n\n\n<li>No retrocessions<\/li>\n\n\n\n<li>No entry, exit, or strategy change fees<br\/><\/li>\n<\/ul>\n\n<p>In practice, the riskiest profiles often amount to approximately <strong>0.35%\/year<\/strong>. This is one of the lowest rates in the Swiss market. <\/p>\n\n<p><strong>We appreciate<\/strong>: an integrated simulator allows you to see the exact impact of fees over 10, 20, or 30 years.<\/p>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759087599904\"><strong class=\"schema-faq-question\"><strong>Are there any hidden fees?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. All fees are included in the announced percentage. No surprises.  <\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">6<\/span>\t<\/div>\t<div id=\"6-app-viac\">\t\t<h2 class=\"mt0 mb0\"><strong>The VIAC app: clear, simple, functional<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">The VIAC App<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>VIAC offers a mobile app available on iOS and Android, and a web interface. The user experience is <strong>polished, fluid, clear<\/strong>. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"on-peut\"><strong>You Can:<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Change your strategy at any time (and for free)<\/li>\n\n\n\n<li>Track the performance of the 3a account<\/li>\n\n\n\n<li>Schedule recurring or one-time payments<\/li>\n\n\n\n<li>View every detail of the portfolio: stock percentage, countries, currency, fees, etc.<\/li>\n\n\n\n<li>Simulate the tax impact<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">7<\/span>\t<\/div>\t<div id=\"7-viac-service-client\">\t\t<h2 class=\"mt0 mb0\"><strong>Customer service: discreet, but efficient<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Customer service<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>No phone number displayed, but <strong>responsive support via email or in-app form<\/strong>.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"notre-experience-et-les-retours-utilisateurs-confirment\"><strong>Our Experience and User Feedback Confirm:<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Quick responses<\/strong>, often within a few hours<\/li>\n\n\n\n<li>Professional tone, without automated scripts<\/li>\n\n\n\n<li>Team based in Switzerland, competent in technical aspects<\/li>\n<\/ul>\n\n<p>No direct phone support, but this has <strong>never proven to be a hindrance<\/strong>.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">8<\/span>\t<\/div>\t<div id=\"8-viac-retraits\">\t\t<h2 class=\"mt0 mb0\"><strong>Withdrawals and exit from 3a<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">3a Withdrawal<\/div>\t<\/div><\/div>\n<p>VIAC follows standard Swiss rules:<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"sortie-possible-dans-les-cas-suivants\"><strong>Exit is Possible in the Following Cases:<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>5 years before the legal OASI age<\/li>\n\n\n\n<li>Purchase of primary residence<\/li>\n\n\n\n<li>Permanent departure from Switzerland<\/li>\n\n\n\n<li>Start of self-employment<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759088089996\"><strong class=\"schema-faq-question\">Can you open multiple VIAC accounts?<\/strong> <p class=\"schema-faq-answer\">VIAC allows opening up to 5 distinct accounts, an advantage for staggering withdrawals and reducing the tax burden at retirement.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759088020173\"><strong class=\"schema-faq-question\"><strong>Why have multiple 3a accounts?<\/strong><\/strong> <p class=\"schema-faq-answer\">To split retirement withdrawals and limit taxation related to excessively large single withdrawals.<\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">9<\/span>\t<\/div>\t<div id=\"9-viac-pour-vous\">\t\t<h2 class=\"mt0 mb0\"><strong>Is VIAC right for you?<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Is VIAC right for you?<\/div>\t<\/div><\/div>\n<h3 class=\"wp-block-heading\" id=\"on-recommande-viac-si\"><strong>We Recommend VIAC if:<\/strong><\/h3>\n\n<p>\u2714 You are looking for a 3a pillar <strong>focused on performance<br\/><\/strong>\u2714 You are comfortable with passive investing<br\/>\u2714 You want to <strong>manage your strategy<\/strong> yourself<br\/>\u2714 You are looking to <strong>minimize fees<\/strong><\/p>\n\n<h3 class=\"wp-block-heading\" id=\"viac-n-est-pas-ideal-si\"><strong>VIAC is not Ideal if:<\/strong><\/h3>\n\n<p>\u2718 You want a physical contact person or detailed human advice<br\/>\u2718 You want <strong>no<\/strong> exposure to market risk<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">10<\/span>\t<\/div>\t<div id=\"10-viac-vs-finpension-vs-frankly\">\t\t<h2 class=\"mt0 mb0\"><strong>Comparison: VIAC vs. Finpension vs.  Frankly<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Comparison: VIAC vs. Finpension vs.  Frankly<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>VIAC<\/strong><\/td><td><strong>Finpension<\/strong><\/td><td><strong>Frankly<\/strong><\/td><\/tr><tr><td>Invested in equities<\/td><td>Up to 99%<\/td><td>Up to 99%<\/td><td>Up to 95%<\/td><\/tr><tr><td>Annual fees (max)<\/td><td>0.44 %<\/td><td>0.39 %<\/td><td>0.49 %<\/td><\/tr><tr><td>Customizable strategy<\/td><td>Yes <\/td><td>Yes <\/td><td>No (fixed profiles)<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\ud83d\udccc VIAC is an excellent compromise between simplicity, personalization, and efficiency. <a href=\"https:\/\/heyneo.ch\/en\/service\/finpension-pillar-3a-review\/\">Finpension<\/a> remains more technical, <a href=\"https:\/\/heyneo.ch\/en\/service\/frankly-pillar-3a-review\/\">Frankly<\/a> is more accessible.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">11<\/span>\t<\/div>\t<div id=\"10-conclusion\">\t\t<h2 class=\"mt0 mb0\"><strong>Conclusion<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Conclusion<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>VIAC offers a coherent, transparent, and high-performing 3a solution. The app allows you to manage your strategy freely, without modification fees. The choice between standard portfolios and total customization provides real room for adjustment, even without financial expertise. It&#8217;s not the most guided solution on the market, but <strong>it&#8217;s one of the most effective for those who want to invest their 3a intelligently<\/strong>, without hidden fees or limiting restrictions.   <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"a-lire-aussi\">Also read<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/heyneo.ch\/en\/service\/selma-pillar-3a-review\/\">Selma 3a 3rd Pillar Review and Test<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/?post_type=product&#038;p=24139\">Review and Test of the Zak 3a 3rd Pillar<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/service\/finpension-pillar-3a-review\/\">Finpension 3a 3rd Pillar Review and Test<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/service\/frankly-pillar-3a-review\/\">Review and test of the 3rd pillar Frankly 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/#pilier3a\">The best 3rd pillar (3a) accounts in Switzerland<\/a><\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div id=\"9-votre-avis\">\t\t<h2 class=\"mt0 mb0\">What do you think of VIAC for your pension?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Your review of VIAC<\/div>\t<\/div><\/div>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>The App. Did VIAC make account opening easy?<\/li>\n\n\n\n<li>What feature would you like to improve at VIAC?<\/li>\n\n\n\n<li>Is VIAC 3a pillar sufficiently optimized for you?<\/li>\n<\/ul>\n<\/blockquote>\n\n<p><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Share your feedback<\/mark><\/strong> with all Neo&#8217;s friends \ud83d\ude08<\/p>\n<style>#gspb_image-id-gsbp-06c6056{text-align:center;}#gspb_image-id-gsbp-06c6056 img{vertical-align:top;}#gspb_image-id-gsbp-06c6056 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-06c6056 img{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}#gspb_image-id-gsbp-06c6056 img{border-style:solid;border-width:18px;border-color:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dvivid-green,#00d084);}#gspb_image-id-gsbp-06c6056 img{width:custom;}#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-06c6056\" id=\"gspb_image-id-gsbp-06c6056\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/CTA-commentaires-EN-court-1.gif\" data-src=\"\" alt=\"User opinions and comments\" loading=\"lazy\" height=\"249\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Developed in collaboration with WIR Bank, VIAC has become a benchmark for Pillar 3a in Switzerland thanks to its intuitive app, low fees, and 100% digital management. What if this is the flexibility you need to prepare for your retirement? <\/p>\n","protected":false},"author":1,"featured_media":24627,"comment_status":"open","ping_status":"closed","template":"","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":""},"store":[],"product_brand":[],"product_cat":[1134],"product_tag":[],"class_list":{"0":"post-24619","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-pillar3a","8":"first","9":"instock","10":"shipping-taxable","11":"product-type-external"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Our review of VIAC 3a \u2013 Everything you need to know in 2026<\/title>\n<meta name=\"description\" content=\"The VIAC 3rd pillar account from all angles: opening, fees, returns, allocation, investment strategy. Here&#039;s our review.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Our Review of the VIAC Pillar 3a Account in 2026\" \/>\n<meta property=\"og:description\" content=\"The VIAC 3rd pillar account from all angles: opening, fees, returns, allocation, investment strategy. Here&#039;s our review.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/\" \/>\n<meta property=\"og:site_name\" content=\"heyneo.ch\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=61573547217981\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-08T10:49:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/09\/viac-app.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"460\" \/>\n\t<meta property=\"og:image:height\" content=\"460\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"139 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\n\t    \"@context\": \"https:\\\/\\\/schema.org\",\n\t    \"@graph\": [\n\t        {\n\t            \"@type\": [\n\t                \"WebPage\",\n\t                \"FAQPage\"\n\t            ],\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/\",\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/\",\n\t            \"name\": \"Our review of VIAC 3a \u2013 Everything you need to know in 2026\",\n\t            \"isPartOf\": {\n\t                \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/#website\"\n\t            },\n\t            \"primaryImageOfPage\": {\n\t                \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#primaryimage\"\n\t            },\n\t            \"image\": {\n\t                \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#primaryimage\"\n\t            },\n\t            \"thumbnailUrl\": \"https:\\\/\\\/heyneo.ch\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/viac-app.webp\",\n\t            \"datePublished\": \"2025-09-28T19:02:05+00:00\",\n\t            \"dateModified\": \"2026-02-08T10:49:35+00:00\",\n\t            \"description\": \"The VIAC 3rd pillar account from all angles: opening, fees, returns, allocation, investment strategy. Here's our review.\",\n\t            \"breadcrumb\": {\n\t                \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#breadcrumb\"\n\t            },\n\t            \"mainEntity\": [\n\t                {\n\t                    \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087280626\"\n\t                },\n\t                {\n\t                    \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087282196\"\n\t                },\n\t                {\n\t                    \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087435814\"\n\t                },\n\t                {\n\t                    \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087439758\"\n\t                },\n\t                {\n\t                    \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087470582\"\n\t                },\n\t                {\n\t                    \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087599904\"\n\t                },\n\t                {\n\t                    \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759088089996\"\n\t                },\n\t                {\n\t                    \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759088020173\"\n\t                }\n\t            ],\n\t            \"inLanguage\": \"en-US\",\n\t            \"potentialAction\": [\n\t                {\n\t                    \"@type\": \"ReadAction\",\n\t                    \"target\": [\n\t                        \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/\"\n\t                    ]\n\t                }\n\t            ]\n\t        },\n\t        {\n\t            \"@type\": \"ImageObject\",\n\t            \"inLanguage\": \"en-US\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#primaryimage\",\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/viac-app.webp\",\n\t            \"contentUrl\": \"https:\\\/\\\/heyneo.ch\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/viac-app.webp\",\n\t            \"width\": 460,\n\t            \"height\": 460,\n\t            \"caption\": \"viac app\"\n\t        },\n\t        {\n\t            \"@type\": \"BreadcrumbList\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#breadcrumb\",\n\t            \"itemListElement\": [\n\t                {\n\t                    \"@type\": \"ListItem\",\n\t                    \"position\": 1,\n\t                    \"name\": \"Accueil\",\n\t                    \"item\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/home\\\/\"\n\t                },\n\t                {\n\t                    \"@type\": \"ListItem\",\n\t                    \"position\": 2,\n\t                    \"name\": \"Products\",\n\t                    \"item\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/shop\\\/\"\n\t                },\n\t                {\n\t                    \"@type\": \"ListItem\",\n\t                    \"position\": 3,\n\t                    \"name\": \"Our Review of the VIAC Pillar 3a Account in 2026\"\n\t                }\n\t            ]\n\t        },\n\t        {\n\t            \"@type\": \"WebSite\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/#website\",\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/\",\n\t            \"name\": \"heyneo.ch\",\n\t            \"description\": \"le blog suisse de la finance pour tous\u200b\",\n\t            \"publisher\": {\n\t                \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/#organization\"\n\t            },\n\t            \"potentialAction\": [\n\t                {\n\t                    \"@type\": \"SearchAction\",\n\t                    \"target\": {\n\t                        \"@type\": \"EntryPoint\",\n\t                        \"urlTemplate\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/?s={search_term_string}\"\n\t                    },\n\t                    \"query-input\": {\n\t                        \"@type\": \"PropertyValueSpecification\",\n\t                        \"valueRequired\": true,\n\t                        \"valueName\": \"search_term_string\"\n\t                    }\n\t                }\n\t            ],\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"Organization\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/#organization\",\n\t            \"name\": \"heyneo.ch\",\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/\",\n\t            \"logo\": {\n\t                \"@type\": \"ImageObject\",\n\t                \"inLanguage\": \"en-US\",\n\t                \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\n\t                \"url\": \"https:\\\/\\\/heyneo.ch\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/heyneo-logo.svg\",\n\t                \"contentUrl\": \"https:\\\/\\\/heyneo.ch\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/heyneo-logo.svg\",\n\t                \"width\": 421,\n\t                \"height\": 104,\n\t                \"caption\": \"heyneo.ch\"\n\t            },\n\t            \"image\": {\n\t                \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"\n\t            },\n\t            \"sameAs\": [\n\t                \"https:\\\/\\\/www.facebook.com\\\/profile.php?id=61573547217981\",\n\t                \"https:\\\/\\\/www.linkedin.com\\\/company\\\/106236920\\\/\",\n\t                \"https:\\\/\\\/ch.pinterest.com\\\/comparisonguide\\\/\",\n\t                \"https:\\\/\\\/creators.spotify.com\\\/pod\\\/profile\\\/heyneo\\\/\",\n\t                \"https:\\\/\\\/podcasts.apple.com\\\/ch\\\/podcast\\\/helveticash\\\/id1794218608\",\n\t                \"https:\\\/\\\/music.amazon.fr\\\/podcasts\\\/47c395ff-3fcf-4b7e-96f3-f1aa900afcce\\\/helveticash\",\n\t                \"https:\\\/\\\/helveticash.substack.com\\\/\"\n\t            ],\n\t            \"description\": \"heyneo, le blog finance en suisse pour tous. Comparez, avis, comparatifs, tests des n\u00e9o-banques (Alpian, Neon, N26, Yuh, Revolut Suisse, Wise, Zak). Explorez la Swiss FINTECH avec un \u0153il curieux, honn\u00eate et critique. Promesse : transparence \\\/ expertise \\\/ p\u00e9dagogie.\",\n\t            \"legalName\": \"heyneo.ch\",\n\t            \"publishingPrinciples\": \"https:\\\/\\\/heyneo.ch\\\/a-propos-de-heyneo-ch\\\/\",\n\t            \"actionableFeedbackPolicy\": \"https:\\\/\\\/heyneo.ch\\\/politique-de-confidentialite-heyneo\\\/\",\n\t            \"correctionsPolicy\": \"https:\\\/\\\/heyneo.ch\\\/politique-de-confidentialite-heyneo\\\/\",\n\t            \"ethicsPolicy\": \"https:\\\/\\\/heyneo.ch\\\/a-propos-de-heyneo-ch\\\/\"\n\t        },\n\t        {\n\t            \"@type\": \"Question\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087280626\",\n\t            \"position\": 1,\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087280626\",\n\t            \"name\": \"Can you open a VIAC 3a account without being domiciled in Switzerland?\",\n\t            \"answerCount\": 1,\n\t            \"acceptedAnswer\": {\n\t                \"@type\": \"Answer\",\n\t                \"text\": \"No. You must be affiliated with OASI or receive income subject to Swiss social security contributions. \",\n\t                \"inLanguage\": \"en-US\"\n\t            },\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"Question\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087282196\",\n\t            \"position\": 2,\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087282196\",\n\t            \"name\": \"Can you transfer an existing 3a to VIAC?\",\n\t            \"answerCount\": 1,\n\t            \"acceptedAnswer\": {\n\t                \"@type\": \"Answer\",\n\t                \"text\": \"Yes. A pre-filled form is provided, and VIAC handles the transfer.\",\n\t                \"inLanguage\": \"en-US\"\n\t            },\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"Question\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087435814\",\n\t            \"position\": 3,\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087435814\",\n\t            \"name\": \"Can you change strategy later?\",\n\t            \"answerCount\": 1,\n\t            \"acceptedAnswer\": {\n\t                \"@type\": \"Answer\",\n\t                \"text\": \"Yes, for free, and as often as desired. Changes are executed quickly, with no transaction fees. \",\n\t                \"inLanguage\": \"en-US\"\n\t            },\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"Question\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087439758\",\n\t            \"position\": 4,\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087439758\",\n\t            \"name\": \"Is the investment passive or active?\",\n\t            \"answerCount\": 1,\n\t            \"acceptedAnswer\": {\n\t                \"@type\": \"Answer\",\n\t                \"text\": \"VIAC only uses <strong>passive index funds<\\\/strong>, with automated management.\",\n\t                \"inLanguage\": \"en-US\"\n\t            },\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"Question\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087470582\",\n\t            \"position\": 5,\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087470582\",\n\t            \"name\": \"Is it risky to invest in equities in 3a?\",\n\t            \"answerCount\": 1,\n\t            \"acceptedAnswer\": {\n\t                \"@type\": \"Answer\",\n\t                \"text\": \"Investing in equities always carries fluctuation risks. But in the long term (20\u201330 years), returns can be much higher than with a traditional savings account. \",\n\t                \"inLanguage\": \"en-US\"\n\t            },\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"Question\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087599904\",\n\t            \"position\": 6,\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759087599904\",\n\t            \"name\": \"Are there any hidden fees?\",\n\t            \"answerCount\": 1,\n\t            \"acceptedAnswer\": {\n\t                \"@type\": \"Answer\",\n\t                \"text\": \"No. All fees are included in the announced percentage. No surprises.  \",\n\t                \"inLanguage\": \"en-US\"\n\t            },\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"Question\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759088089996\",\n\t            \"position\": 7,\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759088089996\",\n\t            \"name\": \"Can you open multiple VIAC accounts?\",\n\t            \"answerCount\": 1,\n\t            \"acceptedAnswer\": {\n\t                \"@type\": \"Answer\",\n\t                \"text\": \"VIAC allows opening up to 5 distinct accounts, an advantage for staggering withdrawals and reducing the tax burden at retirement.\",\n\t                \"inLanguage\": \"en-US\"\n\t            },\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"Question\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759088020173\",\n\t            \"position\": 8,\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/viac-pillar-3a-review\\\/#faq-question-1759088020173\",\n\t            \"name\": \"Why have multiple 3a accounts?\",\n\t            \"answerCount\": 1,\n\t            \"acceptedAnswer\": {\n\t                \"@type\": \"Answer\",\n\t                \"text\": \"To split retirement withdrawals and limit taxation related to excessively large single withdrawals.\",\n\t                \"inLanguage\": \"en-US\"\n\t            },\n\t            \"inLanguage\": \"en-US\"\n\t        }\n\t    ]\n\t}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Our review of VIAC 3a \u2013 Everything you need to know in 2026","description":"The VIAC 3rd pillar account from all angles: opening, fees, returns, allocation, investment strategy. Here's our review.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/","og_locale":"en_US","og_type":"article","og_title":"Our Review of the VIAC Pillar 3a Account in 2026","og_description":"The VIAC 3rd pillar account from all angles: opening, fees, returns, allocation, investment strategy. Here's our review.","og_url":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/","og_site_name":"heyneo.ch","article_publisher":"https:\/\/www.facebook.com\/profile.php?id=61573547217981","article_modified_time":"2026-02-08T10:49:35+00:00","og_image":[{"width":460,"height":460,"url":"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/09\/viac-app.webp","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"139 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["WebPage","FAQPage"],"@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/","url":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/","name":"Our review of VIAC 3a \u2013 Everything you need to know in 2026","isPartOf":{"@id":"https:\/\/heyneo.ch\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#primaryimage"},"image":{"@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#primaryimage"},"thumbnailUrl":"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/09\/viac-app.webp","datePublished":"2025-09-28T19:02:05+00:00","dateModified":"2026-02-08T10:49:35+00:00","description":"The VIAC 3rd pillar account from all angles: opening, fees, returns, allocation, investment strategy. Here's our review.","breadcrumb":{"@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087280626"},{"@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087282196"},{"@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087435814"},{"@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087439758"},{"@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087470582"},{"@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087599904"},{"@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759088089996"},{"@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759088020173"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#primaryimage","url":"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/09\/viac-app.webp","contentUrl":"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/09\/viac-app.webp","width":460,"height":460,"caption":"viac app"},{"@type":"BreadcrumbList","@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/heyneo.ch\/en\/home\/"},{"@type":"ListItem","position":2,"name":"Products","item":"https:\/\/heyneo.ch\/en\/shop\/"},{"@type":"ListItem","position":3,"name":"Our Review of the VIAC Pillar 3a Account in 2026"}]},{"@type":"WebSite","@id":"https:\/\/heyneo.ch\/en\/#website","url":"https:\/\/heyneo.ch\/en\/","name":"heyneo.ch","description":"le blog suisse de la finance pour tous\u200b","publisher":{"@id":"https:\/\/heyneo.ch\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/heyneo.ch\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/heyneo.ch\/en\/#organization","name":"heyneo.ch","url":"https:\/\/heyneo.ch\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/heyneo.ch\/en\/#\/schema\/logo\/image\/","url":"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/heyneo-logo.svg","contentUrl":"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/04\/heyneo-logo.svg","width":421,"height":104,"caption":"heyneo.ch"},"image":{"@id":"https:\/\/heyneo.ch\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/profile.php?id=61573547217981","https:\/\/www.linkedin.com\/company\/106236920\/","https:\/\/ch.pinterest.com\/comparisonguide\/","https:\/\/creators.spotify.com\/pod\/profile\/heyneo\/","https:\/\/podcasts.apple.com\/ch\/podcast\/helveticash\/id1794218608","https:\/\/music.amazon.fr\/podcasts\/47c395ff-3fcf-4b7e-96f3-f1aa900afcce\/helveticash","https:\/\/helveticash.substack.com\/"],"description":"heyneo, le blog finance en suisse pour tous. Comparez, avis, comparatifs, tests des n\u00e9o-banques (Alpian, Neon, N26, Yuh, Revolut Suisse, Wise, Zak). Explorez la Swiss FINTECH avec un \u0153il curieux, honn\u00eate et critique. Promesse : transparence \/ expertise \/ p\u00e9dagogie.","legalName":"heyneo.ch","publishingPrinciples":"https:\/\/heyneo.ch\/a-propos-de-heyneo-ch\/","actionableFeedbackPolicy":"https:\/\/heyneo.ch\/politique-de-confidentialite-heyneo\/","correctionsPolicy":"https:\/\/heyneo.ch\/politique-de-confidentialite-heyneo\/","ethicsPolicy":"https:\/\/heyneo.ch\/a-propos-de-heyneo-ch\/"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087280626","position":1,"url":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087280626","name":"Can you open a VIAC 3a account without being domiciled in Switzerland?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. You must be affiliated with OASI or receive income subject to Swiss social security contributions. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087282196","position":2,"url":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087282196","name":"Can you transfer an existing 3a to VIAC?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. A pre-filled form is provided, and VIAC handles the transfer.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087435814","position":3,"url":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087435814","name":"Can you change strategy later?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, for free, and as often as desired. Changes are executed quickly, with no transaction fees. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087439758","position":4,"url":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087439758","name":"Is the investment passive or active?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"VIAC only uses <strong>passive index funds<\/strong>, with automated management.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087470582","position":5,"url":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087470582","name":"Is it risky to invest in equities in 3a?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Investing in equities always carries fluctuation risks. But in the long term (20\u201330 years), returns can be much higher than with a traditional savings account. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087599904","position":6,"url":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759087599904","name":"Are there any hidden fees?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. All fees are included in the announced percentage. No surprises.  ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759088089996","position":7,"url":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759088089996","name":"Can you open multiple VIAC accounts?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"VIAC allows opening up to 5 distinct accounts, an advantage for staggering withdrawals and reducing the tax burden at retirement.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759088020173","position":8,"url":"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/#faq-question-1759088020173","name":"Why have multiple 3a accounts?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"To split retirement withdrawals and limit taxation related to excessively large single withdrawals.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product\/24619","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product"}],"about":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/types\/product"}],"author":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/comments?post=24619"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/media\/24627"}],"wp:attachment":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/media?parent=24619"}],"wp:term":[{"taxonomy":"store","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/store?post=24619"},{"taxonomy":"product_brand","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product_brand?post=24619"},{"taxonomy":"product_cat","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product_cat?post=24619"},{"taxonomy":"product_tag","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product_tag?post=24619"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}