VIAC Global 100

A 0.01% TER on a 3a fund with 99% stocks. That's not a typo.

VIAC Global 100 ranks #1 among 82 3a investment funds in Switzerland. It's built for investors who want maximum equity exposure at rock-bottom cost. If you have 15+ years until retirement and can stomach market drops without losing sleep, this is the benchmark everyone else is measured against.

What Does a 0.01% TER Actually Mean?

Your total annual cost is 0.41% (0.01% TER plus 0.40% flat fee). On a CHF 50,000 portfolio, that's CHF 205 per year. A typical Swiss 3a fund charges 0.80-1.20% all in, so you'd pay CHF 400-600 for the same balance. Over 30 years of contributions, that difference compounds into tens of thousands of francs.

The passive index strategy keeps costs low by tracking broad market indices rather than paying stock pickers. VIAC doesn't charge custody fees or transaction costs on top, which is rare. What you see is genuinely what you pay.

What Actually Stands Out

The 99% stock allocation is the most aggressive you'll find in Swiss 3a. There's virtually no bond drag on returns, which explains the +51.49% five-year performance. VIAC uses a global index approach, giving you exposure to thousands of companies across the US, Europe, Asia, and emerging markets.

VIAC's app lets you customize your allocation within set boundaries, which most competitors don't offer. You can tilt toward specific regions or add Swiss real estate. The FINMA-regulated custodian bank (WIR Bank) provides the required deposit protection.

What Most Reviews Miss

With 99% in stocks, you're fully exposed to market downturns. In 2022, broad equity indices dropped 15-20%. If you're within 10 years of retirement, a single bad year could materially impact your withdrawal amount. There's no bond cushion to soften the blow.

VIAC is digital-only. No physical branches, no face-to-face advisor. If the app goes down during a market crash (it's happened), you can't call someone to talk you off the ledge. Customer support is email and chat only. For some investors, that's fine. For others, it's a dealbreaker.

The Bottom Line

VIAC Global 100 is the gold standard for cost-conscious, long-horizon 3a investors who want pure equity exposure. The numbers back it up: lowest fees, top-tier returns, and a transparent passive strategy. See how it compares in our guide to the best 3a investment funds in Switzerland.

Verdict: The best choice for aggressive investors with 15+ years to retirement who won't panic-sell during downturns.