Our Take on VIAC Global 80
80% stocks, 20% bonds. The sweet spot that quietly returned +49% over five years.
VIAC Global 80 ranks #3 among 67 3a investment funds in Switzerland. Think of it as VIAC Global 100's more sensible sibling. You still get strong equity growth, but the 20% bond allocation smooths out the bumps. For investors who want aggressive exposure without going all-in, this is the balanced aggression most people actually need.
How Does the Return Stack Up?
The five-year return of +49.02% trails the 100% equity version by only 2.5 percentage points. That's a tiny price for having a 20% bond cushion during crashes. Your total cost is 0.42% annually (0.02% TER plus 0.40% flat fee), which is nearly identical to the all-equity version.
Put differently: in 2022 when markets dropped sharply, the 80/20 split meant roughly 3-4% less drawdown than a pure equity fund. For most investors, sleeping better during downturns is worth giving up a small sliver of upside.
What Actually Stands Out
The 20% bond allocation rebalances automatically, which is an underappreciated feature. When stocks crash, VIAC sells some bonds and buys cheaper stocks. When stocks soar, it trims equity and adds bonds. This systematic buy-low-sell-high approach adds real value over decades.
VIAC lets you adjust your allocation within boundaries. Starting with Global 80, you could tweak it to 75/25 or 85/15 depending on your comfort. That flexibility through the VIAC app is something most 3a providers don't offer.
What Most Reviews Miss
The bonds in this fund are globally diversified, which means currency risk on the fixed-income side. When the Swiss franc strengthens (as it often does), your foreign bonds lose value in CHF terms. Some competitors hedge their bond allocation back to CHF, which VIAC doesn't fully do.
Also, 80% stocks is still quite aggressive. If you watched your 3a drop 12-15% during a market sell-off and felt sick, this allocation might still be too high. Honest self-assessment matters more than optimizing for returns here.
The Bottom Line
VIAC Global 80 offers the best risk-return trade-off for most long-term 3a investors. You get 95% of the upside of a pure equity fund with meaningfully less downside volatility. Explore how it fits your profile using our Pillar 3a product finder.
Verdict: The ideal pick for investors with 10-20 years to retirement who want growth but also want to sleep at night.
Pros
- Low total costs (0.42% p.a.)
- Strong 5-year performance (+49.0%)
- No custody fee
Cons
- High flat fee (0.40%)
- High stock allocation = more volatility
- No swing pricing protection
Product Details
At a Glance
- 80% stocks allocation
- TER: 0.02%
- Passive/Index strategy
- No custody fee
Fund Details & Allocation
Fund Details & Allocation
Asset Allocation
Stocks
80%
Bonds
0%
Real Estate
10%
Other
10%
Investment Strategy
Passively-managed fund
Depositary Bank
UBS for securities, Bank WIR for cash
Swing Pricing
No
Fees & Costs
Fees & Costs
TER
0.02%
Flat Fee
0.40%
Custody Fee
Free
Performance Over Time
Historical performance of this investment fund. Past performance is not indicative of future results.
1 Year
+9.0%
3 Years
+41.1%
5 Years
+49.0%
Retirement Projection
Based on max. contribution of CHF 7’258/year, age 30 to 65 (35 years), starting from CHF 0.
Compare to Similar Products
Frequently Asked Questions
- 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 80 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 80 from another provider?
- Yes, you can transfer your 3a balance to VIAC Global 80 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 80 guaranteed?
- No, investment fund returns are not guaranteed. Past performance of +49.0% over 5 years does not guarantee future results. Your capital can fluctuate with markets.
How We Rated This Product
VIAC Global 80 was evaluated as a product using our weighted scoring system.
Ratings are updated monthly based on the latest available data. All products are evaluated using the same methodology.
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Open the VIAC Global 80 today and start enjoying its benefits.