I just discovered this forum today and have read through this thread and some others tonight. I planned to start a third pillar this year and have just created an account with VIAC. I too was hoping that someone could provide a referral code?
Either way, I enjoyed your posts and look forward to reading more.
Hello community, I am about to create a new account at VIAC, does anyone have a referral code to share with me by chance?
Thank you very much in advance.
Quick question: Are there any downsides to opening 5 accounts with VIAC right away? I currently don’t have any pillar 3 account.
There are two things I could think of:
VIAC charges 300.- when you want to transfer to another bank. Could it be, that it’s 300.- per account? So transferring 5 accounts would then be quite expensive with 1500.- CHF.
When withdrawing early for a mortage, can multiple accounts be withdrawn or just one? I would guess that multiple accounts can be combined, but have no idea…
Or put differently: Why would anyone NOT want to have 5 accounts and have the added flexibility?
Hi magic_unicorn, the VIAC FAQ states " Are there any fees for deposits or withdrawals? = No. Deposits and withdrawals are free of charge." Where did u read about a Fr 300 fee at VIAC? Greetz.
We normally suggest a regular account transfer (free of charge) to your bank where you hold your mortgage. Normally your mortgage bank does not charge you for an early withdrawal.
So in a little over a year, that’s from 0 to theoretically 500’000 CHF annual revenue for VIAC from fees. Good for them!
Additionally from the comments:
Web version coming in a few weeks.
Freizügigkeitslösung coming Summer 2019.
I’m probably getting old…but I had an hard time reading the app. I’m using an android phone with a big-enough screen and I believe the shouldn’t use grey text on white background. Also very small. On one graph they use yellow on white…
Hopefully they will let us use a Web based version…
You know, I was set to invest in VIAC last year, I installed their app and all was left was to send the money. Eventually I didn’t make that step. Maybe the web interface will also convince me. I honestly don’t get it why so many apps tie you to use the phone (instagram, whatsapp, uber, revolut). It’s not rocket science to make a web app.
8’500 customers, 100 million AUM, 500k revenue: that’s nice for starters, but I think they will need to multiply it by 10x in order to get profitable. 100 million is impressive, but 500k income is really nothing. This is the money that one manager can make in a year in Switzerland.
Don’t underestimate that. They’ve only just launched. I have people at work with zero financial literacy talking about VIAC. They will grow a lot from here. I wish they were exchange listed so I could invest in them
By reading and partipating to this forum, you confirm you have read and agree with the disclaimer presented on http://www.mustachianpost.com/
En lisant et participant à ce forum, tu confirmes avoir lu et être d'accord avec l'avis de dégagement de responsabilité présenté sur http://www.mustachianpost.com/fr/
Durch das Lesen und die Teilnahme an diesem Forum bestätigst du, dass du den auf http://www.mustachianpost.com/de/ dargestellten Haftungsausschluss gelesen hast und damit einverstanden bist.