{"id":24621,"date":"2025-09-28T21:02:05","date_gmt":"2025-09-28T19:02:05","guid":{"rendered":"https:\/\/heyneo.ch\/?post_type=product&#038;p=24621"},"modified":"2026-05-07T11:27:01","modified_gmt":"2026-05-07T09:27:01","slug":"recensione-viac-pilastro-3a","status":"publish","type":"product","link":"https:\/\/heyneo.ch\/it\/servizio\/recensione-viac-pilastro-3a\/","title":{"rendered":"La nostra recensione sul conto pilastro 3a VIAC nel 2026"},"content":{"rendered":"\n<p><strong>Una soluzione d&#8217;investimento <a href=\"https:\/\/heyneo.ch\/#pilier3a\" type=\"link\" id=\"https:\/\/heyneo.ch\/#pilier3a\">3a svizzera<\/a>, trasparente e poco costosa? La nostra esperienza ci permette di capire se questa promessa regge. Risultato: tra costi ridotti, flessibilit\u00e0 delle strategie e opzioni 100% azionarie, VIAC continua a imporsi come punto di riferimento in Svizzera. Ma per chi \u00e8 pensata questa soluzione?   <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=\"L'offerta di VIAC\"><a class=\"gs-scrollto\" href=\"#1-offre-viac\">L&#8217;offerta di VIAC<\/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=\"La sicurezza\"><a class=\"gs-scrollto\" href=\"#2-viac-securite\">La sicurezza<\/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=\"L'apertura del conto 3a\"><a class=\"gs-scrollto\" href=\"#3-viac-ouverture-compte\">L&#8217;apertura del conto 3a<\/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=\"Strategia di investimento\"><a class=\"gs-scrollto\" href=\"#4-strategie-investissement\">Strategia di investimento<\/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=\"I costi\"><a class=\"gs-scrollto\" href=\"#5-viac-frais\">I costi<\/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=\"L'applicazione VIAC\"><a class=\"gs-scrollto\" href=\"#6-app-viac\">L&#8217;applicazione VIAC<\/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=\"Servizio clienti\"><a class=\"gs-scrollto\" href=\"#7-viac-service-client\">Servizio clienti<\/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=\"Prelievo dal 3a\"><a class=\"gs-scrollto\" href=\"#8-viac-retraits\">Prelievo dal 3a<\/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=\"VIAC \u00e8 adatto a te?\"><a class=\"gs-scrollto\" href=\"#9-viac-pour-vous\">VIAC \u00e8 adatto a te?<\/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=\"Confronto: VIAC vs. Finpension vs. Frankly\"><a class=\"gs-scrollto\" href=\"#10-viac-vs-finpension-vs-frankly\">Confronto: 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=\"Conclusione\"><a class=\"gs-scrollto\" href=\"#10-conclusion\">Conclusione<\/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=\"La tua opinione su VIAC\"><a class=\"gs-scrollto\" href=\"#9-votre-avis\">La tua opinione su 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>L&#8217;offerta di VIAC: un pilastro 3a ottimizzato per l&#8217;investimento<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">L&#8217;offerta di VIAC<\/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 \u00e8 un fornitore 3a svizzero, lanciato nel 2018, completamente digitale e focalizzato sull&#8217;investimento indicizzato. Il conto \u00e8 aperto presso la fondazione di previdenza <strong>Terzo<\/strong>, ospitata dalla <strong>Banca WIR<\/strong> a Basilea. <\/p>\n\n<p>VIAC si distingue dalle offerte bancarie classiche, che sono spesso rigide (strategie predefinite senza margine di aggiustamento), opache (poche informazioni sui costi o sulle allocazioni) e scarsamente investite in azioni (spesso meno del 30%, anche su profili &#8220;dinamici&#8221;).<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"avec-viac-on-peut\"><strong>Con VIAC, si pu\u00f2:<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Investire fino al <strong>99% in azioni<\/strong>, a seconda del profilo di rischio<\/li>\n\n\n\n<li>Costruire una <strong>strategia su misura<\/strong>, o scegliere tra 5 profili standard<\/li>\n\n\n\n<li>Monitorare le proprie performance e allocazioni in qualsiasi momento<\/li>\n\n\n\n<li>Distribuire il proprio patrimonio su <strong>fino a 5 conti 3a<\/strong><\/li>\n\n\n\n<li>Beneficiare di un quadro fiscale ottimizzato grazie a una rigorosa selezione di fondi indicizzati<\/li>\n<\/ul>\n\n<p>VIAC, come altre soluzioni 3a non legate a un&#8217;assicurazione, non offre alcuna protezione complementare in caso di: decesso, invalidit\u00e0 o incapacit\u00e0 di guadagno<\/p>\n\n<p>In altre parole: Se non si pu\u00f2 pi\u00f9 lavorare o si decede, il capitale 3a presso VIAC viene semplicemente trasmesso, ma non viene versata alcuna rendita complementare come farebbe un pilastro 3a legato a un&#8217;assicurazione sulla vita.<\/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>Sicurezza: VIAC \u00e8 affidabile?<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">La sicurezza<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Il denaro \u00e8 gestito dalla <strong>Fondazione di previdenza Terzo<\/strong>.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>I titoli (ETF, fondi indicizzati) sono <strong>depositati presso la Banca WIR<\/strong>, una banca svizzera vigilata dalla FINMA.<\/li>\n\n\n\n<li>Le liquidit\u00e0 (componente in contanti) sono <strong>coperte fino a CHF 100.000 dalla garanzia dei depositi svizzeri (esissuisse)<\/strong>.<br\/><\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"en-cas-de-faillite\"><strong>In caso di fallimento?<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>I titoli sono detenuti fuori bilancio<\/strong> \u2192 rimangono di tua propriet\u00e0.<\/li>\n<\/ul>\n\n<p>Anche in caso di fallimento di VIAC o della banca depositaria, <strong>gli averi sono protetti<\/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>L&#8217;apertura del conto 3a presso VIAC<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">L&#8217;apertura del conto 3a<\/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>Tutto si fa tramite smartphone o computer. L&#8217;iscrizione richiede <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">dai 10 ai 15 minuti<\/mark>. <\/p>\n\n<p><strong>Cosa serve:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Essere domiciliato in Svizzera o affiliato all&#8217;AVS<\/li>\n\n\n\n<li>Disporre di un numero AVS valido<\/li>\n\n\n\n<li>Fornire un documento d&#8217;identit\u00e0<\/li>\n\n\n\n<li>Nessun deposito minimo<\/li>\n<\/ul>\n\n<p>L&#8217;interfaccia \u00e8 semplice, con suggerimenti di strategia, un calcolatore fiscale e una chiara visualizzazione del portafoglio.<\/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-bcf235532e7decfedcd4d80e45148f82\">Non \u00e8 richiesto alcun deposito iniziale minimo. Si pu\u00f2 testare l&#8217;interfaccia, definire una strategia ed effettuare versamenti in seguito. <\/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>Si pu\u00f2 aprire un conto VIAC 3a senza essere domiciliati in Svizzera?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. Bisogna essere affiliati all&#8217;AVS o percepire un reddito soggetto ai contributi sociali svizzeri. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759087282196\"><strong class=\"schema-faq-question\"><strong>Si pu\u00f2 trasferire un vecchio 3a a VIAC?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ec. Viene proposto un modulo precompilato e VIAC si occupa del trasferimento.<\/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>Le strategie di investimento VIAC<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Strategia di investimento<\/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 profili di rischio<\/strong> pronti all&#8217;uso<\/h3>\n\n<p>VIAC propone 5 profili tipo:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>0% azioni (Sicuro)<\/li>\n\n\n\n<li>20%, 40%, 60%, fino al 99% azioni (Global 20 \u2192 Global 100)<br\/><\/li>\n<\/ul>\n\n<p>I portafogli utilizzano fondi indicizzati di UBS e Swisscanto (ZKB &#8211; Banca Cantonale di Zurigo), scelti per la loro liquidit\u00e0, i loro bassi costi e la loro compatibilit\u00e0 con il quadro fiscale svizzero.<\/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>Strategia personalizzata<\/strong><\/h3>\n\n<p>Si pu\u00f2 anche creare <strong>la propria strategia<\/strong>, tramite un motore di simulazione molto visivo.<\/p>\n\n<p>VIAC <strong>aiuta automaticamente a rispettare i vincoli legali del 3a<\/strong>, quali:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Massimo 50%<\/strong> di esposizione a titoli esteri <strong>non quotati in CHF<\/strong><\/li>\n\n\n\n<li><strong>Esposizione max. in azioni: 99% <\/strong><\/li>\n\n\n\n<li>Limitazione dei fondi non conformi all&#8217;ordinanza fiscale sulle deduzioni fiscali per i contributi versati alla previdenza (OPP 3)<br\/><\/li>\n<\/ul>\n\n<p>Le restrizioni svizzere sono complesse, ma VIAC le applica <strong>automaticamente nei portafogli personalizzati<\/strong>, per evitare errori.<\/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>Si pu\u00f2 cambiare strategia in seguito?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ec, gratuitamente e tutte le volte che si desidera. Le modifiche vengono eseguite rapidamente, senza costi di transazione. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759087439758\"><strong class=\"schema-faq-question\"><strong>L&#8217;investimento \u00e8 passivo o attivo?<\/strong><\/strong> <p class=\"schema-faq-answer\">VIAC utilizza solo <strong>fondi indicizzati passivi<\/strong>, con una gestione automatizzata.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759087470582\"><strong class=\"schema-faq-question\"><strong>\u00c8 rischioso investire in azioni nel 3a?<\/strong><\/strong> <p class=\"schema-faq-answer\">L&#8217;investimento in azioni comporta sempre rischi di fluttuazioni. Ma a lungo termine (20-30 anni), i rendimenti possono essere molto pi\u00f9 elevati rispetto a un conto di risparmio classico. <\/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>Costi: trasparenti e competitivi<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">I costi<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>\u00c8 uno dei punti di forza di VIAC. <strong>0,44% all&#8217;anno max<\/strong>, includendo:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Commissioni di gestione<\/li>\n\n\n\n<li>Costi dei prodotti (TER dei fondi)<\/li>\n\n\n\n<li>Nessuna retrocessione<\/li>\n\n\n\n<li>Nessuna tassa d&#8217;ingresso, di uscita o di cambio strategia<br\/><\/li>\n<\/ul>\n\n<p>Di fatto, i profili pi\u00f9 rischiosi si attestano spesso a <strong>0,35%\/anno<\/strong> circa. \u00c8 una delle tariffe pi\u00f9 basse del mercato svizzero. <\/p>\n\n<p><strong>Apprezziamo<\/strong>: un simulatore integrato ti permette di vedere l&#8217;impatto esatto dei costi su 10, 20 o 30 anni.<\/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>Ci sono costi nascosti?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. Tutti i costi sono inclusi nella percentuale annunciata. Nessuna sorpresa.  <\/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>L&#8217;app VIAC: chiara, semplice, funzionale<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">L&#8217;applicazione VIAC<\/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 offre un&#8217;app mobile disponibile su iOS e Android, e un&#8217;interfaccia web. L&#8217;esperienza utente \u00e8 <strong>curata, fluida, chiara<\/strong>. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"on-peut\"><strong>Si pu\u00f2:<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Modificare la strategia in qualsiasi momento (e gratuitamente)<\/li>\n\n\n\n<li>Monitorare la performance del conto 3a<\/li>\n\n\n\n<li>Programmare versamenti ricorrenti o occasionali<\/li>\n\n\n\n<li>Consultare ogni dettaglio del portafoglio: % di azioni, paesi, valuta, costi, ecc.<\/li>\n\n\n\n<li>Simulare l&#8217;impatto fiscale<\/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>Servizio clienti: discreto, ma efficace<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Servizio clienti<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Nessun numero di telefono visualizzato, ma un <strong>supporto reattivo via e-mail o modulo nell&#8217;app<\/strong>.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"notre-experience-et-les-retours-utilisateurs-confirment\"><strong>La nostra esperienza e i feedback degli utenti confermano:<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Risposte rapide<\/strong>, spesso in poche ore<\/li>\n\n\n\n<li>Tono professionale, senza script automatizzato<\/li>\n\n\n\n<li>Team con sede in Svizzera, competente sugli aspetti tecnici<\/li>\n<\/ul>\n\n<p>Nessuna assistenza diretta telefonica, ma ci\u00f2 non si \u00e8 <strong>mai rivelato un ostacolo<\/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>Prelievi e uscita dal 3a<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Prelievo dal 3a<\/div>\t<\/div><\/div>\n<p>VIAC segue le classiche regole svizzere:<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"sortie-possible-dans-les-cas-suivants\"><strong>Uscita possibile nei seguenti casi:<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>5 anni prima dell&#8217;et\u00e0 legale AVS<\/li>\n\n\n\n<li>Acquisto di residenza principale<\/li>\n\n\n\n<li>Partenza definitiva dalla Svizzera<\/li>\n\n\n\n<li>Inizio di attivit\u00e0 indipendente<\/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\">Si possono aprire pi\u00f9 conti VIAC?<\/strong> <p class=\"schema-faq-answer\">VIAC permette di aprire fino a 5 conti distinti, un vantaggio per scaglionare i prelievi e ridurre il carico fiscale al momento del pensionamento.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759088020173\"><strong class=\"schema-faq-question\"><strong>Perch\u00e9 avere pi\u00f9 conti 3a?<\/strong><\/strong> <p class=\"schema-faq-answer\">Per frazionare i prelievi al momento del pensionamento e limitare l&#8217;imposizione fiscale legata a prelievi unici troppo elevati.<\/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>VIAC \u00e8 adatto a te?<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">VIAC \u00e8 adatto a te?<\/div>\t<\/div><\/div>\n<h3 class=\"wp-block-heading\" id=\"on-recommande-viac-si\"><strong>Raccomandiamo VIAC se:<\/strong><\/h3>\n\n<p>\u2714 Cerchi un pilastro 3a <strong>orientato alla performance<br\/><\/strong>\u2714 Ti senti a tuo agio con l&#8217;investimento passivo<br\/>\u2714 Vuoi <strong>gestire la tua strategia<\/strong> in autonomia<br\/>\u2714 Cerchi di <strong>minimizzare i costi<\/strong><\/p>\n\n<h3 class=\"wp-block-heading\" id=\"viac-n-est-pas-ideal-si\"><strong>VIAC non \u00e8 l&#8217;ideale se:<\/strong><\/h3>\n\n<p>\u2718 Desideri un interlocutore fisico o una consulenza umana dettagliata<br\/>\u2718 Non vuoi <strong>alcuna<\/strong> esposizione al rischio di mercato<\/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>Confronto: VIAC vs. Finpension vs.  Frankly<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Confronto: 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>Caratteristica<\/strong><\/td><td><strong>VIAC<\/strong><\/td><td><strong>Finpension<\/strong><\/td><td><strong>Frankly<\/strong><\/td><\/tr><tr><td>Investito in azioni<\/td><td>Fino al 99%<\/td><td>Fino al 99%<\/td><td>Fino al 95%<\/td><\/tr><tr><td>Costi annuali (max)<\/td><td>0.44 %<\/td><td>0.39 %<\/td><td>0.49 %<\/td><\/tr><tr><td>Strategia personalizzabile<\/td><td>S\u00ec <\/td><td>S\u00ec <\/td><td>No (profili fissi)<\/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 \u00e8 un ottimo compromesso tra semplicit\u00e0, personalizzazione ed efficacia. <a href=\"https:\/\/heyneo.ch\/it\/servizio\/recensione-finpension-pilastro-3a\/\">Finpension<\/a> rimane pi\u00f9 tecnico, <a href=\"https:\/\/heyneo.ch\/it\/servizio\/recensione-frankly-pilastro-3a\/\">Frankly<\/a> pi\u00f9 accessibile.<\/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>Conclusione<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Conclusione<\/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 offre una soluzione 3a coerente, trasparente e performante. L&#8217;app permette di gestire la propria strategia liberamente, senza costi di modifica. La scelta tra portafogli standard e personalizzazione totale offre un vero margine di aggiustamento, anche senza esperienza finanziaria. Non \u00e8 la soluzione pi\u00f9 supportata sul mercato, ma <strong>\u00e8 una delle pi\u00f9 efficaci per coloro che vogliono investire il loro 3a in modo intelligente<\/strong>, senza costi nascosti n\u00e9 restrizioni limitanti.   <\/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\">Da leggere anche<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/heyneo.ch\/it\/servizio\/recensione-selma-pilastro-3a\/\">Recensione e test del 3\u00b0 pilastro Selma 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/it\/?post_type=product&amp;p=24141\">Recensione e test del 3\u00b0 pilastro Zak 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/it\/servizio\/recensione-finpension-pilastro-3a\/\">Recensioni e test del terzo pilastro Finpension 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/it\/servizio\/recensione-frankly-pilastro-3a\/\">Recensione e test del 3\u00b0 pilastro Frankly 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/#pilier3a\">I migliori conti terzo pilastro (3a) in Svizzera<\/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\">Cosa ne pensi di VIAC per la tua previdenza?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">La tua opinione su 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>L&#8217;app VIAC ha facilitato l&#8217;apertura del conto?<\/li>\n\n\n\n<li>Qual \u00e8 la funzionalit\u00e0 che vorresti migliorare in VIAC?<\/li>\n\n\n\n<li>Il pilastro 3a di VIAC \u00e8 sufficientemente ottimizzato per te?<\/li>\n<\/ul>\n<\/blockquote>\n\n<p><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Condividi la tua<\/mark> esperienza<\/strong> con tutti gli amici di Neo \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-IT-court-1.gif\" data-src=\"\" alt=\"Opinioni e commenti degli utenti\" 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>Sviluppata in collaborazione con la Banca WIR, VIAC \u00e8 diventata un punto di riferimento per il pilastro 3a in Svizzera grazie alla sua app intuitiva, ai costi contenuti e alla sua gestione 100% digitale. E se fosse la flessibilit\u00e0 di cui hai bisogno per preparare la tua pensione? <\/p>\n","protected":false},"author":1,"featured_media":24629,"comment_status":"open","ping_status":"closed","template":"","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":""},"store":[],"product_brand":[],"product_cat":[1135],"product_tag":[],"class_list":{"0":"post-24621","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-pilastro3a","8":"first","9":"instock","10":"shipping-taxable","11":"product-type-external"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>La nostra recensione su VIAC 3a \u2013 Tutto sul 2026<\/title>\n<meta name=\"description\" content=\"Il conto del 3\u00b0 pilastro di VIAC sotto ogni aspetto: apertura, costi, rendimento, allocazione, strategia di investimento. 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