{"id":8637,"date":"2021-03-27T13:48:17","date_gmt":"2021-03-27T12:48:17","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/viac-pillar-3a-fees-low-lower-viac\/"},"modified":"2025-01-13T17:32:13","modified_gmt":"2025-01-13T16:32:13","slug":"viac-pillar-3a-fees-low-lower-viac","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/viac-pillar-3a-fees-low-lower-viac\/","title":{"rendered":"VIAC pillar 3a fees: low, lower, VIAC?"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Lesedauer<\/span> <span class=\"rt-time\"> 3<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<p data-block-type=\"core\">The shaker in the Swiss pillar 3a market is reducing its VIAC pillar 3a fees with retroactive effect from March 1, 2021. Strategies with a high equity component will become cheaper. You will benefit from this as an existing and new customer. This is because the management fee is now also capped at 0.44 %.   <\/p>\n\n<!--more-->\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-13786a2 stk-block-background\" data-block-id=\"13786a2\"><p class=\"stk-table-of-contents__title\">That\u2019s what the VIAC 3a fee comparison is all about:<\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#nicht-die-erste-und-letzte-viac-saule-3-a-gebuhrensenkung\">Not the first and last VIAC Pillar 3a fee reduction<\/a><\/li><li><a href=\"#gebuhrenvergleich-was-unterscheidet-die-viac-saule-3-a-gebuhren-von-anderen-anbietern\">Fee comparison: What distinguishes VIAC pillar 3a fees from other providers?<\/a><\/li><li><a href=\"#zusammenfassung-viac-saule-3-a-gebuhren\">Summary VIAC Pillar 3a fees<\/a><\/li><\/ul><\/nav>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-fe7fd08\" id=\"nicht-die-erste-und-letzte-viac-saule-3-a-gebuhrensenkung\" data-block-id=\"fe7fd08\"><h2 class=\"stk-block-heading__text\">Not the first and last VIAC Pillar 3a fee reduction<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-38ff02a\" data-block-id=\"38ff02a\"><p class=\"stk-block-text__text\">The cap on the management fee makes predefined VIAC basic strategies and proprietary strategies with more than 84% securities cheaper.\nFor example, the Global 80 and Global 100 strategies now cost 0.45 % per year instead of the previous 0.51 %. <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-b17923c\" data-block-id=\"b17923c\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-b17923c-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-538ee07\" data-v=\"4\" data-block-id=\"538ee07\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-538ee07-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-538ee07-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-e8dbfe4\" data-block-id=\"e8dbfe4\"><p class=\"stk-block-text__text\">In <strong>January 2020<\/strong>, VIAC took measures to improve returns by around 0.3 % per year. Since January 1, 2020, pension foundations have been able to invest in low-cost investment funds that are tax-exempt in the USA because the protocol of amendment to the double taxation agreement between Switzerland and the USA came into force. VIAC took advantage of this opportunity and passed the cost reduction on to investors.    <\/p><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-8e1a594\" data-v=\"4\" data-block-id=\"8e1a594\"><style>.stk-8e1a594-inner-blocks{justify-content:space-evenly !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-8e1a594-container stk--no-background stk--no-padding\"><div class=\"stk--column-flex stk-block-content stk-inner-blocks stk-8e1a594-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-2a990e8\" data-block-id=\"2a990e8\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-9304\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/03\/02135309\/VIAC-Logo.png\" width=\"1500\" height=\"900\" alt=\"VIAC Pillar 3a fees\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/03\/02135309\/VIAC-Logo.png 1500w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/03\/02135309\/VIAC-Logo-800x480.png 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/03\/02135309\/VIAC-Logo-315x189.png 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/03\/02135309\/VIAC-Logo-768x461.png 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/03\/02135309\/VIAC-Logo-360x216.png 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/03\/02135309\/VIAC-Logo-400x240.png 400w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-7862cee\" data-block-id=\"7862cee\"><p class=\"stk-block-text__text\">At the time, CEO Daniel Peter told us that VIAC always tries to act in the interests of its customers. Daniel has also kept this promise with the introduction of the free <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/viac-life-basic-protection-in-the-event-of-death-or-disability-everything-you-need-to-know\/\">VIAC LIFE basic protection<\/a>. The basic protection is a useful service extension. You get it at no extra cost.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c919391\" data-block-id=\"c919391\"><p class=\"stk-block-text__text\">At the end of <strong>August 2021 <\/strong>, VIAC implemented another measure to improve your returns. Since then, the money of new and existing customers for Japan has been invested in tax-exempt fund tranches. This means you don\u2019t miss out on unnecessary taxes at fund level. This improves your return.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-6a9a820\" data-block-id=\"6a9a820\"><p class=\"stk-block-text__text\">VIAC has announced that it will continue to put pressure on the Swiss pension market with innovative and extremely attractive offers. In February 2022, VIAC began offering WIR Bank mortgages to its customers. The \u201cdeals\u201d were added in November 2022. Customers benefit from discount offers that VIAC agrees with partners. So we can look forward to seeing what comes next.    <\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-52239b5\" id=\"gebuhrenvergleich-was-unterscheidet-die-viac-saule-3-a-gebuhren-von-anderen-anbietern\" data-block-id=\"52239b5\"><h2 class=\"stk-block-heading__text\">Fee comparison: What distinguishes VIAC pillar 3a fees from other providers?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-9adb1ae\" id=\"seit-viac-2017-in-den-markt-eintrat-gab-es-mehr-bewegung-im-bis-dahin-verstaubten-schweizer-vorsorgemarkt-neue-anbieter-wie-descartes-vorsorge-november-2019-selma-saule-3-a-november-2019-die-zkb-mit-frankly-marz-2020-sparbatze-mit-der-zuger-kantonalbank-september-2020-finpension-oktober-2020-oder-yapeal-y-3-a-mit-vontobel-dezember-2020-kamen-zu-den-bereits-etablierten-grossen-anbietern-hinzu-wie-unterscheiden-sich-die-gebuhren-von-viac-nun-von-diesen-anbietern\" data-block-id=\"9adb1ae\"><p class=\"stk-block-text__text\">Since VIAC entered the market in 2017, there has been more movement in the previously stagnant Swiss pension market. New providers such as Descartes Vorsorge (November 2019), Selma Pillar 3a (November 2019), ZKB with frankly (March 2020), finpension (October 2020) or Yapeal Y3a with Vontobel (December 2020) joined the already established major providers. Some have already left the market again, such as <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/digital-pension-apps-pando-3a-sparbatze-and-freya-bye\/\" data-type=\"post\" data-id=\"6787\">Pando 3a, Sparbatze and Freya<\/a>.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-2de1276\" data-block-id=\"2de1276\"><p class=\"stk-block-text__text\">How do VIAC\u2019s fees differ from these providers?<\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-e43fa0c\" id=\"strong-erstens-strong-deckt-die-viac-saule-3-a-gebuhr-samtliche-kosten-fur-depot-verwaltung-und-transaktionen-ab-eingeschlossen-darin-sind-depot-abgaben-an-die-3-a-stiftung-transaktions-und-administrationsgebuhren-anders-als-bei-anderen-anbietern-in-der-saule-3-a-beinhalten-diese-kosten-auch-em-samtliche-em-em-produktkosten-em-der-fonds-ter-die-viac-saule-3-a-gebuhr-schliesst-em-auch-die-mehrwertsteuer-em-ein-anders-als-bei-anderen-anbietern-die-mit-tieferen-headline-preisen-ohne-mehrwertsteuer-werben\" data-block-id=\"e43fa0c\"><p class=\"stk-block-text__text\"><strong>Firstly, <\/strong>the VIAC pillar 3a fee covers all costs for the custody account, administration and transactions. This includes the custody account, levies to the 3a Foundation, transaction and administration fees. Unlike other pillar 3a providers, these costs also include <em>all<\/em> <em>product costs<\/em> of the funds (TER).    <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-cad89e3\" data-block-id=\"cad89e3\"><p class=\"stk-block-text__text\"><strong>Secondly <\/strong>, VIAC <em>only<\/em> charges the management fee <em>on invested assets<\/em>. Since VIAC holds the bond portion of a portfolio in cash as an option, these strategies have lower overall costs. Many other providers advertise a single fee. If your equity allocation is low, you can benefit from a lower fee with VIAC.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-34e130d\" data-block-id=\"34e130d\"><p class=\"stk-block-text__text\"><strong>Thirdly <\/strong>, VIAC pays interest on the cash component instead of \u201cearning\u201d a negative yield to maturity with bonds. So you benefit twice: neither fees on the bond component nor negative yield to maturity. Depending on the market environment, this can be an advantage. <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c354d26\" data-block-id=\"c354d26\"><p class=\"stk-block-text__text\"><strong>Fourthly <\/strong>, there are no basic fees, balancing fees, fees for deposits or withdrawals, retrocessions\/other commissions or performance fees.<\/p><\/div>\n\n<div class=\"wp-block-ugb-container ugb-container ugb-085a318 ugb-container--v2 ugb-container--design-basic ugb-main-block\"><style>.ugb-085a318-wrapper.ugb-container__wrapper{border-radius:0px !important;background-color:#02b875 !important}.ugb-085a318-wrapper.ugb-container__wrapper:before{background-color:#02b875 !important}.ugb-085a318 h1,.ugb-085a318 h2,.ugb-085a318 h3,.ugb-085a318 h4,.ugb-085a318 h5,.ugb-085a318 h6{color:#ffffff}.ugb-085a318 p,.ugb-085a318 li,.ugb-085a318 label,.ugb-085a318 table{color:#ffffff}.ugb-085a318-content-wrapper > h1,.ugb-085a318-content-wrapper > h2,.ugb-085a318-content-wrapper > h3,.ugb-085a318-content-wrapper > h4,.ugb-085a318-content-wrapper > h5,.ugb-085a318-content-wrapper > h6{color:#ffffff}.ugb-085a318-content-wrapper > p,.ugb-085a318-content-wrapper > ol li,.ugb-085a318-content-wrapper > ul li{color:#ffffff}.ugb-085a318 a,.ugb-085a318 a:visited,.ugb-085a318 a:focus{color:#ffffff}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-085a318-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-085a318-content-wrapper\">\n<h3 class=\"wp-block-heading\" id=\"h-unser-tipp-jetzt-saule-3a-mit-25-franken-bonus-eroffnen\">Our tip: Open pillar 3a with a CHF 25 bonus now<\/h3>\n\n\n\n<p id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">VIAC\u2019s competitor finpension is <a href=\"https:\/\/www.smolio.ch\/wissen\/finpension-saeule-3a-erfahrungen-und-review-2022\/\">cheaper<\/a> than VIAC with share ratios of 60% or more. Use the voucher <strong>SMLUTQ <\/strong>for your welcome bonus when opening an account.  You will receive this as a fee credit if you deposit or transfer at least CHF 1,000 within 12 months. And you save for life with equity ratios of 60% or more thanks to very low fees. We would be grateful if you use our voucher when opening an account.\nWe will then receive a small fee.\nThis will not make it more expensive for you and we can cover the costs of operating the platform.  <\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-38be4a0\" data-block-id=\"38be4a0\"><style>.stk-38be4a0 .stk-button-group{flex-direction:row !important;}@media screen and (max-width: 1023px){.stk-38be4a0 .stk-button-group{flex-direction:row !important;}}@media screen and (max-width: 767px){.stk-38be4a0 .stk-button-group{flex-direction:row !important;}}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-1f879d2\" data-block-id=\"1f879d2\"><style>.stk-1f879d2 .stk-button{background:#192483 !important;border-radius:30px !important;}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/app.finpension.ch\/product-selection\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"stk-button__inner-text\">About finpension pillar 3a  <\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-1fe1185\" id=\"zusammenfassung-viac-saule-3-a-gebuhren\" data-block-id=\"1fe1185\"><h2 class=\"stk-block-heading__text\">Summary VIAC Pillar 3a fees<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-02438ec\" id=\"ende-2017-bot-viac-als-neueinsteiger-die-erste-vollstandig-digitale-kosteneffiziente-saule-3-a-losung-an-inzwischen-ist-viac-erwachsen-geworden-fur-mehr-als-44000-kunden-wird-ein-vermogen-von-uber-1-milliarde-franken-verwaltet-der-durchschnittskunde-bei-viac-hat-also-rund-23000-franken-in-seiner-saule-3-a-die-einfuhrung-des-caps-auf-der-verwaltungsgebuhr-unterstreicht-den-anspruch-von-viac-weiter-markt-und-kostenfuhrer-bei-digitalen-saule-3-a-losungen-zu-bleiben\" data-block-id=\"02438ec\"><p class=\"stk-block-text__text\">At the end of 2017, VIAC was the first newcomer to offer the first fully digital and cost-effective pillar 3a solution. VIAC has since \u201cgrown up\u201d. Assets of over CHF 4 billion are managed for more than 100,000 customers. The average VIAC customer therefore has around CHF 40,000 in their pillar 3a. The introduction of the cap on the management fee underlines VIAC\u2019s ambition to remain the market and cost leader in digital pillar 3a solutions.    <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3112f5f stk-block-background callout\" data-block-id=\"3112f5f\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-3112f5f{background-color:#02b875 !important;margin-bottom:40px !important}.stk-3112f5f:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3112f5f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4a4cbd5\" data-v=\"4\" data-block-id=\"4a4cbd5\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4a4cbd5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4a4cbd5-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-fe9674b\" data-block-id=\"fe9674b\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-827\" src=\"https:\/\/www.smolio.ch\/wp-content\/uploads\/2017\/08\/Vorsorgecheck-live_Einkommensu\u0308bersicht-niedergelassene_Smolio-Wissen.png\" width=\"800\" height=\"566\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\"><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4891e88\" data-v=\"4\" data-block-id=\"4891e88\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4891e88-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4891e88-inner-blocks\"><p data-block-type=\"core\"><div class=\"mautic-slot\" data-slot-name=\"c2a-blog-finanzdashboard\"><\/p>\n<h3>Mach den ersten Schritt zur finanziellen Unabh\u00e4ngigkeit<\/h3>\n<p> In einer Minute siehst du deine Verm\u00f6gensentwicklung und dein Einkommen w\u00e4hrend der Rente. <\/p>\n<p> <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\">Rentenrechner starten<\/a> <\/p>\n<p><\/div><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"aligncenter wp-block-ugb-container ugb-container ugb-3c1c7a0 ugb-container--v2 ugb-container--design-basic ugb-main-block\" data-block-type=\"core\" data-block-type=\"core\"><style>.ugb-3c1c7a0-wrapper.ugb-container__wrapper{border-radius:0px !important}.ugb-3c1c7a0 h1,.ugb-3c1c7a0 h2,.ugb-3c1c7a0 h3,.ugb-3c1c7a0 h4,.ugb-3c1c7a0 h5,.ugb-3c1c7a0 h6{color:#000000}.ugb-3c1c7a0 p,.ugb-3c1c7a0 li,.ugb-3c1c7a0 label,.ugb-3c1c7a0 table{color:#000000}.ugb-3c1c7a0-content-wrapper > h1,.ugb-3c1c7a0-content-wrapper > h2,.ugb-3c1c7a0-content-wrapper > h3,.ugb-3c1c7a0-content-wrapper > h4,.ugb-3c1c7a0-content-wrapper > h5,.ugb-3c1c7a0-content-wrapper > h6{color:#000000}.ugb-3c1c7a0-content-wrapper > p,.ugb-3c1c7a0-content-wrapper > ol li,.ugb-3c1c7a0-content-wrapper > ul li{color:#000000}.ugb-3c1c7a0 a,.ugb-3c1c7a0 a:visited,.ugb-3c1c7a0 a:focus{color:#000000}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-3c1c7a0-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-3c1c7a0-content-wrapper\">\n<h4 class=\"wp-block-heading has-black-smolio-color has-text-color has-small-font-size\" id=\"h-hinweis\">Notice <\/h4>\n\n\n\n<p class=\"has-black-smolio-color has-text-color\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">Wir sind dir dankbar, wenn du bei einer Kontoer\u00f6ffnung unseren Code nutzt. Wir erhalten dann eine kleine <a href=\"https:\/\/www.smolio.ch\/experten-netzwerk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Verg\u00fctung<\/a>. F\u00fcr dich wird es dadurch nicht teurer und wir k\u00f6nnen die Kosten f\u00fcr den Betrieb der Plattform decken. Wir freuen uns auch, wenn du uns einen <a href=\"https:\/\/buymeacoffee.com\/smolio\" target=\"_blank\" rel=\"noreferrer noopener\">Kaffee spendierst<\/a> \u2615\ufe0f.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<p data-block-type=\"core\"><\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-83b6411 stk-block-background\" data-block-id=\"83b6411\" data-block-type=\"core\" data-block-type=\"core\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-83b6411-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-f2ad0b4\" data-v=\"4\" data-block-id=\"f2ad0b4\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-f2ad0b4-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-f2ad0b4-inner-blocks\">\n<h4 class=\"wp-block-heading has-small-font-size\" id=\"h-disclaimer\">Disclaimer<\/h4>\n\n\n\n<p class=\"has-small-font-size\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">We have taken great care in compiling the content of this article. Nevertheless, we cannot rule out errors and cannot guarantee that the content is correct, up-to-date or complete. This article does not replace tax advice. We do not offer investment or tax advice and recommend that tax issues are always clarified with a tax expert and\/or the relevant cantonal tax authorities. Any liability is rejected.    <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>VIAC pillar 3a fees: How does VIAC compare with frankly and finpension? What is included in the fees and what is not? <\/p>\n","protected":false},"author":8,"featured_media":4752,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2260,2442],"tags":[2292,2443,2262,2261,2444],"class_list":{"0":"post-8637","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-invest-in-pillar-3a","8":"category-viac-3a-en","9":"tag-change-pillar-3a","10":"tag-difference-in-fees","11":"tag-pillar-3a","12":"tag-securities-savings-pillar-3a","13":"tag-viac-en"},"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[8],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2021\/03\/the-chase-NX7NEKP-1.jpg",1200,800,false],"thumbnail":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2021\/03\/the-chase-NX7NEKP-1-315x210.jpg",315,210,true],"medium":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2021\/03\/the-chase-NX7NEKP-1-800x533.jpg",800,533,true],"medium_large":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2021\/03\/the-chase-NX7NEKP-1-768x512.jpg",768,512,true],"large":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2021\/03\/the-chase-NX7NEKP-1.jpg",1140,760,false],"1536x1536":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2021\/03\/the-chase-NX7NEKP-1.jpg",1200,800,false],"2048x2048":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2021\/03\/the-chase-NX7NEKP-1.jpg",1200,800,false],"davenport-blog-thumb":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2021\/03\/the-chase-NX7NEKP-1-1140x694.jpg",1140,694,true],"davenport-blog-thumb-grid":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2021\/03\/the-chase-NX7NEKP-1-555x360.jpg",555,360,true],"davenport-blog-thumb-widget":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2021\/03\/the-chase-NX7NEKP-1-220x180.jpg",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2021\/03\/the-chase-NX7NEKP-1-360x240.jpg",360,240,true],"woocommerce_thumbnail":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2021\/03\/the-chase-NX7NEKP-1-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2021\/03\/the-chase-NX7NEKP-1-600x400.jpg",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2021\/03\/the-chase-NX7NEKP-1-300x300.jpg",300,300,true]},"post_excerpt_stackable_v2":"<p>VIAC pillar 3a fees: How does VIAC compare with frankly and finpension? What is included in the fees and what is not? <\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/invest-in-pillar-3a\/\" rel=\"category tag\">Invest in pillar 3a<\/a>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/invest-in-pillar-3a\/viac-3a-en\/\" rel=\"category tag\">VIAC 3a<\/a>","author_info_v2":{"name":"Thomas","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/thomas\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8637","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8637"}],"version-history":[{"count":5,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8637\/revisions"}],"predecessor-version":[{"id":9855,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8637\/revisions\/9855"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/4752"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8637"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8637"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}