Why VIAC?
With 3a products such as VIAC there’s a maximum yearly contribution of ∼ 6800 CHF (unless you’re benefitting from higher limits for self-employed. Your posting history suggests you’re not). With that, it would take about 13 years to fully invest these amounts.
Side note: finpension have emailed me writing they’ll be trading weekly from the beginning of August. That more closely aligns with your stated goal of being able to shift to cash.
Why?
Especially CAD will severely limit your investment options. And since you are…
…the cost of currency exchange (about 0.5%, maybe 1% through) is very minor compared to the volatility and returns you can expect by investing on the stock or commodity markets. And as others explained, even companies listed in EUR/CAD will regularly have large exposure to currency fluctuations (unless they’re hedging them).
Putting it a bit provocative here: It sounds like a cognitive bias to me. Isn’t your main or only reason to invest in these currencies that that’s what you (your family) are currently having?
If your family gave you the equivalent of CHF 90’000 in the currency of your choice, would you tell them to give you 40k EUR and 50k CAD?