La nostra opinione su VIAC Global 60
0.39% total cost. The cheapest balanced 3a fund in Switzerland right now.
VIAC Global 60 ranks #7 among 67 3a investment funds in Switzerland. It's the most affordable way to get a 60/40 stock-bond split in your 3a. For investors who want meaningful growth without the stomach-churning drops of high-equity funds, VIAC's lowest-cost balanced option delivers where it counts: your wallet.
What Does a 0.39% Total Cost Mean?
Your all-in cost is 0.39% annually (0.01% TER plus 0.38% flat fee). That's the lowest total cost of any fund in the top 15. On a CHF 100,000 balance, you're paying CHF 390 per year. A typical bank 3a fund at 1.0% would charge CHF 1,000 for the same balance. That's CHF 610 saved every single year.
Over a 30-year savings period with maximum annual contributions, the fee difference alone compounds to roughly CHF 25,000-35,000. That's not a rounding error. It's a meaningful chunk of your retirement.
What Actually Stands Out
VIAC's flat fee drops as your equity allocation decreases. Global 100 charges 0.40%, Global 80 charges 0.40%, but Global 60 charges only 0.38%. It's a small discount, but it shows VIAC prices based on actual asset management complexity.
The five-year return of +38.20% for a 60/40 fund is genuinely impressive. You're capturing most of the equity upside while the 40% bond allocation cushioned the 2022 downturn. The Federal Social Insurance Office sets the rules for 3a funds, and VIAC stays well within the regulatory framework while maximizing what's allowed.
What Most Reviews Miss
A 60/40 split still dropped roughly 8-12% during the 2022 sell-off. Bonds didn't provide the safety net many expected because both stocks and bonds fell simultaneously when interest rates spiked. This is important context: diversification reduces risk most of the time, but not always.
VIAC is digital-only with no branches. For a moderate-risk investor who might be newer to investing, the lack of a human advisor could be a problem during scary market moments. The app is well-designed, but it can't replace a reassuring conversation when markets tumble.
The Bottom Line
VIAC Global 60 is the best-value balanced 3a fund available. You get a proven 60/40 strategy at the lowest cost in the market. It's the smart default for investors who want growth without going aggressive. Compare your options side by side with our 3a pillar comparison tool.
Verdict: The ideal 3a fund for moderate investors who want the lowest fees on a classic balanced portfolio.
Pro
- Low total costs (0.39% p.a.)
- Strong 5-year performance (+38.2%)
- No custody fee
Contro
- High flat fee (0.38%)
- No swing pricing protection
Dettagli del prodotto
In sintesi
- 60% stocks allocation
- TER: 0.01%
- Passive/Index strategy
- No custody fee
Fund Details & Allocation
Fund Details & Allocation
Allocazione degli asset
Azioni
60%
Obbligazioni
0%
Immobili
10%
Altro
30%
Strategia di investimento
Fondo gestito passivamente
Banca depositaria
UBS for securities, Bank WIR for cash
Swing Pricing
No
Commissioni e costi
Commissioni e costi
TER
0.01%
Commissione forfettaria
0.38%
Commissione di custodia
Gratuito
Performance nel tempo
Performance storica di questo fondo di investimento. Le performance passate non sono indicative dei risultati futuri.
1 anno
+7.4%
3 anni
+32.0%
5 anni
+38.2%
Proiezione pensionistica
Basato su un contributo max. di CHF 7’258/anno, età 30 a 65 (35 anni), partendo da CHF 0.
Confronta con prodotti simili
BLKB iQ Responsible Equity World ex Switzerland B
Cantonal Bank of Basel-Landschaft (BLKB)
Domande frequenti
- What is the maximum annual Pillar 3a contribution?
- For employees with a pension fund, the maximum is CHF 7,258 per year (2025). Self-employed without a pension fund can contribute up to 20% of net income, max CHF 35,288. These amounts are fully tax-deductible.
- What are the tax benefits of this Pillar 3a product?
- Contributions to VIAC Global 60 are fully deductible from your taxable income. Interest and returns grow tax-free. You only pay tax at a reduced rate when you withdraw at retirement.
- Can I transfer to VIAC Global 60 from another provider?
- Yes, you can transfer your 3a balance to VIAC Global 60 at any time without tax consequences, and Viac charges no transfer or closure fee.
- Should I choose a savings account or investment fund for my 3a?
- Savings accounts offer guaranteed returns with zero risk — ideal if you're close to retirement. Investment funds provide higher growth potential but with market risk — ideal for 10+ year horizons. Many Swiss residents split their contributions between both.
- Is the performance of VIAC Global 60 guaranteed?
- No, investment fund returns are not guaranteed. Past performance of +38.2% over 5 years does not guarantee future results. Your capital can fluctuate with markets.
Come abbiamo valutato questo prodotto
VIAC Global 60 è stato valutato come prodotto utilizzando il nostro sistema di punteggio ponderato.
Le valutazioni vengono aggiornate mensilmente sulla base dei dati più recenti disponibili. Tutti i prodotti vengono valutati con la stessa metodologia.
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