I am so frustrated, just after I have been praising VZ for pointing out to me that I can invest up to 100% in stocks in your 3a pillar account, VZ approached me to tell me, that his colleague was misinformed, and that VZ has an policy that only allows their customers to have 80% of their portfolio in stocks.
You can imagine my frustration. I just added a third 3a pillar account to stagger the liquidation of the accounts at retirement and was eager to fill the account after having picked new ETF’s.
With a 30 year investment horizon I feel confident to invest all of the 3a pillar amount in stocks. If I can’t do that with VZ, where else can I do it?
VIAC is a well-known star in the Swiss personal finance blogger scene and has positioned itself in the market as low-cost fully digital 3a pillar solution in Switzerland. The sign-up is super simple and can be done with a smartphone in a few minutes.
VIAC (just like other 3a ETF providers), have a pre-selected list of stocks and securities to choose from.
The sign-up process is very simple and straight forward:
How to sign-up
- Go to VIAC.ch and click on register
- You’ll have to enter some personal details, such as name, address, e-mail and phone number. They will also ask you to send in a picture of your passport or ID
- Then you’ll be asked to choose your investment strategy. I chose “Individual Strategy” this is where you can pick your own allocation of pre-selected ETF’s.
- You will notice that there are some distribution thresholds that you are not allowed to exceed.
- Once you have picked your strategy you save and boom – you’re done.
My 3a pillar strategy
So here it is – my new 3a pillar strategy. It is fairly straightforward:
|15%||Developed Markets USA||iShares Core S&P500||0.07%|
|17%||Developed Markets World excluding Switzerland||CSIF World ex CH hedged||0.00%|
|25%||Developed Markets Europe excluding Switzerland||CSIF Europe ex CH||0.01%|
|15%||Emerging Markets||CSIF Emerging Markets||0.09%|
|15%||Switzerland||CSIF SPI Extra||0.00%|
You will see, that the costs are very low – even lower than VZ. Another reason the switch was successful. I hope that I can put this aside for a while and check it quarterly to see how it performs.
Do you want to sign up for VIAC as well?
If you want to benefit from unrivaled low fees like me, then become a VIAC customer now. Best of all, with the below code, you pay no administration fee on your first CHF 500.00 pension assets – for a lifetime!! 🙌
Use the following code to register: YCkwbfs
Give me some feedback
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