{"id":8668,"date":"2019-03-23T08:27:49","date_gmt":"2019-03-23T07:27:49","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/viac-code-smolio-how-you-benefit-when-switching-from-pillar-3a-to-viac\/"},"modified":"2024-12-09T21:37:25","modified_gmt":"2024-12-09T20:37:25","slug":"viac-code-smolio-how-you-benefit-when-switching-from-pillar-3a-to-viac","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/viac-code-smolio-how-you-benefit-when-switching-from-pillar-3a-to-viac\/","title":{"rendered":"VIAC Code Smolio: How you benefit when switching from pillar 3a to 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\"> 4<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-3642195\" data-block-id=\"3642195\"><p class=\"stk-block-text__text\">Are you fed up with low interest rates on your pillar 3a retirement savings account and want to make your retirement savings work harder for you?\nYou can get more out of your money by switching your pillar 3a.\nYou can do this by either transferring your pillar 3a to a provider with a higher interest rate or by investing the <a href=\"\">money in funds<\/a>.\nBecause you&#8217;ll get much more out of securities in the long term than a savings booklet.\nThat&#8217;s why we&#8217;ve looked at the <a href=\"\">best offers<\/a> for pillar 3a with securities.\nWe opted for VIAC when switching our own pillar 3a.\nBut how exactly does switching pillar 3a actually work?\nWe tried it out and show you step by step.       <\/p><\/div>\n\n<!--more-->\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-ae8b256\" id=\"schritt-1-mit-viac-code-smolio-von-2000-franken-kostenloser-verwaltung-profitieren-lebenslang\" data-block-id=\"ae8b256\"><h2 class=\"stk-block-heading__text\">Step 1: Benefit from CHF 2,000 in free administration with VIAC Code Smolio &#8211; for life<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-751baa6\" id=\"anlasslich-ihres-5-jahrigen-jubilaums-2022-hat-viac-ihr-freunde-werben-freunde-programm-ausgebaut-wenn-du-bei-der-registrierung-einen-gultigen-code-eingibst-wird-ein-teil-deines-vermogens-bei-viac-lebenslang-kostenfrei-verwaltet-du-bezahlst-namlich-bei-den-quartalsweisen-abrechnungen-darauf-keine-gebuhren\" data-block-id=\"751baa6\"><p class=\"stk-block-text__text\">On the occasion of its fifth anniversary in 2022, VIAC has expanded its &#8220;Refer a Friend&#8221; program. If you enter a valid code when registering, a portion of your assets will be managed free of charge for life at VIAC. This is because you do not pay any fees for the quarterly statements.    <\/p><\/div>\n\n<div class=\"wp-block-ugb-container ugb-container ugb-515f7af ugb-container--v2 ugb-container--design-basic ugb-main-block\"><style>.ugb-515f7af-wrapper.ugb-container__wrapper{border-radius:0px !important;background-color:#02b875 !important}.ugb-515f7af-wrapper.ugb-container__wrapper:before{background-color:#02b875 !important}.ugb-515f7af h1,.ugb-515f7af h2,.ugb-515f7af h3,.ugb-515f7af h4,.ugb-515f7af h5,.ugb-515f7af h6{color:#ffffff}.ugb-515f7af p,.ugb-515f7af li,.ugb-515f7af label,.ugb-515f7af table{color:#ffffff}.ugb-515f7af-content-wrapper > h1,.ugb-515f7af-content-wrapper > h2,.ugb-515f7af-content-wrapper > h3,.ugb-515f7af-content-wrapper > h4,.ugb-515f7af-content-wrapper > h5,.ugb-515f7af-content-wrapper > h6{color:#ffffff}.ugb-515f7af-content-wrapper > p,.ugb-515f7af-content-wrapper > ol li,.ugb-515f7af-content-wrapper > ul li{color:#ffffff}.ugb-515f7af a,.ugb-515f7af a:visited,.ugb-515f7af a:focus{color:#ffffff}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-515f7af-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-515f7af-content-wrapper\">\n<h3 class=\"wp-block-heading\" id=\"h-unser-tipp-nutze-unseren-code-smolio-fur-doppeltes-freiguthaben\">Our tip: Use our code <em>Smolio<\/em> for double free credit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" 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 been using the VIAC solution practically since it was founded.\nIn fall 2023, we spoke with VIAC and agreed on a special code for you.\nEnter the code <strong>Smolio<\/strong> (case sensitive) when you open your account.\nThis code will then be used to manage CHF <strong>2,000 <\/strong>free of charge &#8211; for the rest of your life.\nIncidentally, we don&#8217;t receive anything from VIAC for this &#8211; we pass on the benefit of double the free assets 1:1 to you!    <\/p>\n\n\n\n<p class=\"wp-block-paragraph\" 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\"><strong>2,000 assets is twice as much as you get with a normal friend code.  <\/strong>It is simply important that you enter the code directly in onboarding or before the first receipt of money under Profile \/ Friends. Now have fun with our code \ud83d\ude42 <\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-457df87\" data-block-id=\"457df87\"><p class=\"stk-block-text__text\">Since December 2022, you can not only invest up to CHF 5,500 for free, but also up to CHF 8,500 if you win five friends for VIAC. Super cool: the existing levels of the program have also been increased by CHF 500 each, i.e. your previous invitations have become &#8220;worth more&#8221;. With a 30-year investment period and a long-term average share return of 6.7 % and compound interest, you&#8217;ll get an extra few hundred francs for yourself \ud83d\ude09  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-7b6be9e\" data-block-id=\"7b6be9e\"><p class=\"stk-block-text__text\">In addition, every invited friend also benefits, as there are no management fees on the first 1,000 francs of assets for life.  <\/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-6627\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG.png\" width=\"1200\" height=\"800\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG.png 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-800x533.png 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-315x210.png 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-768x512.png 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-360x240.png 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-400x267.png 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/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\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-addbbcb\" id=\"finde-die-beste-saule-3-a\" data-block-id=\"addbbcb\"><style>.stk-addbbcb .stk-block-heading__text{color:#ffffff !important}<\/style><h3 class=\"stk-block-heading__text has-text-color has-text-align-center\">Find the best pillar 3a<\/h3><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c2849cd\" data-block-id=\"c2849cd\"><style>.stk-c2849cd .stk-block-text__text{color:#ffffff !important}<\/style><p class=\"stk-block-text__text has-text-color\">Unbelievable &#8211; most people pay too much for their pillar 3a and get too little return.\nAre you one of them?\nFind out which pillar 3a is best suited to you with just a few clicks in our free comparison.    <\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-38be4a0\" data-block-id=\"38be4a0\"><div class=\"stk-row stk-inner-blocks has-text-align-center stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button has-text-align-center stk-block stk-1f879d2\" data-block-id=\"1f879d2\"><style>.stk-1f879d2 .stk-button{background:#192483 !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/finder.smolio.ch\/\" target=\"_blank\" rel=\"noopener\"><span class=\"stk-button__inner-text\">Find the best pillar 3a<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-53e3011\" id=\"schritt-2-app-installieren\" data-block-id=\"53e3011\"><h2 class=\"stk-block-heading__text\">Step 2: Install the app<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-2ce6c12\" data-block-id=\"2ce6c12\"><p class=\"stk-block-text__text\">Download the VIAC app to your smartphone<a href=\"https:\/\/itunes.apple.com\/ch\/app\/viac\/id1255818015?mt=8\" target=\"_blank\" rel=\"noopener noreferrer\">(App Store<\/a> \/ <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=ch.viac.vorsorge3a&amp;hl=de_CH\" target=\"_blank\" rel=\"noopener noreferrer\">Play Store)<\/a>.<\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-537a073\" id=\"schritt-3-dein-konto-bei-viac-eroffnen\" data-block-id=\"537a073\"><h2 class=\"stk-block-heading__text\">Step 3: Open your account with VIAC<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-dd4fd8e\" data-block-id=\"dd4fd8e\"><p class=\"stk-block-text__text\">Open the app on your smartphone and go through the registration process. It only takes a few minutes. You can do everything on your phone. Don&#8217;t forget to enter your VIAC code <strong>Smolio<\/strong> at the end of the registration process &#8211; this is the only way to benefit from free management of your first CHF 2,000 in pension assets when you switch to VIAC. Also validate your e-mail address when you open your account. You will need this in the next step.     <\/p><\/div>\n\n<div class=\"wp-block-ugb-container ugb-container ugb-6a5a4d2 ugb-container--v2 ugb-container--design-basic ugb-main-block\" data-block-type=\"core\" data-block-type=\"core\"><style>.ugb-6a5a4d2-wrapper.ugb-container__wrapper{border-radius:0px !important;background-color:#02b875 !important}.ugb-6a5a4d2-wrapper.ugb-container__wrapper:before{background-color:#02b875 !important}.ugb-6a5a4d2 h1,.ugb-6a5a4d2 h2,.ugb-6a5a4d2 h3,.ugb-6a5a4d2 h4,.ugb-6a5a4d2 h5,.ugb-6a5a4d2 h6{color:#ffffff}.ugb-6a5a4d2 p,.ugb-6a5a4d2 li,.ugb-6a5a4d2 label,.ugb-6a5a4d2 table{color:#ffffff}.ugb-6a5a4d2-content-wrapper > h1,.ugb-6a5a4d2-content-wrapper > h2,.ugb-6a5a4d2-content-wrapper > h3,.ugb-6a5a4d2-content-wrapper > h4,.ugb-6a5a4d2-content-wrapper > h5,.ugb-6a5a4d2-content-wrapper > h6{color:#ffffff}.ugb-6a5a4d2-content-wrapper > p,.ugb-6a5a4d2-content-wrapper > ol li,.ugb-6a5a4d2-content-wrapper > ul li{color:#ffffff}.ugb-6a5a4d2 a,.ugb-6a5a4d2 a:visited,.ugb-6a5a4d2 a:focus{color:#ffffff}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-6a5a4d2-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-6a5a4d2-content-wrapper\">\n<h3 class=\"wp-block-heading\" id=\"h-mit-frankly-gutscheincode-smolio-von-35-franken-bonus-profitieren\">Benefit from a 35 franc bonus with frankly voucher code SMOLIO<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" 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\">Use the code <strong>SMOLIO<\/strong> for your welcome bonus when opening an account. You get this as a fee credit if you deposit or transfer at least 1 franc within 3 months. Only redeemable for frankly new customers when opening their first account within 48 hours. There is no all-in fee for Cash. In addition, a frankly voucher code redeemed between 01.01.25 and 31.12.25 automatically enters you into a prize draw to win 1 x 1,000 francs in cash. The code cannot be combined with other voucher codes. Valid until 31.12.2025. Information on the prize draw at <a href=\"https:\/\/www.frankly.ch\/de\/teilnahmebedingungen-gws.html\" target=\"_blank\" rel=\"noopener\">frankly.ch\/gws<\/a>.     <\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-00c4fa8\" data-block-id=\"00c4fa8\"><style>.stk-00c4fa8 .stk-button-group{flex-direction:row !important;}@media screen and (max-width: 1023px){.stk-00c4fa8 .stk-button-group{flex-direction:row !important;}}@media screen and (max-width: 767px){.stk-00c4fa8 .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-c097238\" data-block-id=\"c097238\"><style>.stk-c097238 .stk-button{background:#192483 !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important;}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/my.frankly.ch\/landing-page\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"stk-button__inner-text\">Activate frankly voucher code<\/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-4593ebc\" id=\"schritt-4-ubertragungsauftrag-fur-saule-3-a-wechsel-auslosen\" data-block-id=\"4593ebc\"><h2 class=\"stk-block-heading__text\">Step 4: Trigger transfer order for pillar 3a switch<\/h2><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-33e5757\" data-block-id=\"33e5757\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-33e5757-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-e918780\" data-v=\"4\" data-block-id=\"e918780\"><style>@media screen and (min-width: 768px){.stk-e918780 {flex:var(--stk-flex-grow, 1) 1 calc(67% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-e918780-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-e918780-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-3e202d8\" data-block-id=\"3e202d8\"><p class=\"stk-block-text__text\">Then select the &#8220;Transfer&#8221; button at the bottom of the &#8220;Deposit&#8221; menu in the app. You can use this method to transfer existing pillar 3a assets from another pension fund to VIAC. If you have pledged your pillar 3a account or are using it for indirect amortization of your mortgage, check with your bank beforehand whether you can also keep the account with another pension fund.  <\/p><\/div>\n\n\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">Then click on &#8220;Send template by e-mail&#8221; to have the transfer order sent to you. You will see confirmation that the e-mail has been sent directly on the screen. <\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-cf17c37\" data-v=\"4\" data-block-id=\"cf17c37\"><style>@media screen and (min-width: 768px){.stk-cf17c37 {flex:var(--stk-flex-grow, 1) 1 calc(33% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-cf17c37-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-cf17c37-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-e82a34d\" data-block-id=\"e82a34d\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-9321\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/02143808\/Viac-Code-Smolio-Saule-3a-transferieren.webp\" width=\"887\" height=\"1920\" alt=\"Viac Code Smolio Pillar 3a transfer\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/02143808\/Viac-Code-Smolio-Saule-3a-transferieren.webp 887w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/02143808\/Viac-Code-Smolio-Saule-3a-transferieren-800x1732.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/02143808\/Viac-Code-Smolio-Saule-3a-transferieren-315x682.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/02143808\/Viac-Code-Smolio-Saule-3a-transferieren-768x1662.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/02143808\/Viac-Code-Smolio-Saule-3a-transferieren-710x1536.webp 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/02143808\/Viac-Code-Smolio-Saule-3a-transferieren-360x779.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/02143808\/Viac-Code-Smolio-Saule-3a-transferieren-400x866.webp 400w\" sizes=\"auto, (max-width: 887px) 100vw, 887px\" \/><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-bbc849c\" id=\"schritt-5-ubertragungsauftrag-ausfullen\" data-block-id=\"bbc849c\"><h2 class=\"stk-block-heading__text\">Step 5: Complete the transfer order<\/h2><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-53b7753\" data-block-id=\"53b7753\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-53b7753-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-2ac1fea\" data-v=\"4\" data-block-id=\"2ac1fea\"><style>@media screen and (min-width: 768px){.stk-2ac1fea {flex:var(--stk-flex-grow, 1) 1 calc(67% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-2ac1fea-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-2ac1fea-inner-blocks\">\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">Now go to your e-mail inbox. There you will find an e-mail &#8220;VIAC transfer order&#8221;. A PDF document is attached to the email. Your data has already been entered in this document because you entered it in the app when you registered.   <\/p>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-86799f9\" data-block-id=\"86799f9\"><p class=\"stk-block-text__text\">You now only need to add a few entries. <strong>Firstly <\/strong>, the name and address of your previous pension fund (if you have not already selected this in the app). <strong>Secondly <\/strong>, the number of your pension account that you want to transfer from there to VIAC. <strong>Thirdly<\/strong>, sign the order.<\/p><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-5bc6cdb\" data-v=\"4\" data-block-id=\"5bc6cdb\"><style>@media screen and (min-width: 768px){.stk-5bc6cdb {flex:var(--stk-flex-grow, 1) 1 calc(33% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-5bc6cdb-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-5bc6cdb-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-74b85b5\" data-block-id=\"74b85b5\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-9323\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/02144931\/Viac-Code-Saule-3a-wechseln.webp\" width=\"710\" height=\"974\" alt=\"VIAC Code Pillar 3a change\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/02144931\/Viac-Code-Saule-3a-wechseln.webp 710w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/02144931\/Viac-Code-Saule-3a-wechseln-315x432.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/02144931\/Viac-Code-Saule-3a-wechseln-360x494.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/02144931\/Viac-Code-Saule-3a-wechseln-400x549.webp 400w\" sizes=\"auto, (max-width: 710px) 100vw, 710px\" \/><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-ugb-container ugb-container ugb-f0232a3 ugb-container--v2 ugb-container--design-basic ugb-main-block\"><style>.ugb-f0232a3-wrapper.ugb-container__wrapper{border-radius:0px !important;background-color:#02b875 !important}.ugb-f0232a3-wrapper.ugb-container__wrapper:before{background-color:#02b875 !important}.ugb-f0232a3 h1,.ugb-f0232a3 h2,.ugb-f0232a3 h3,.ugb-f0232a3 h4,.ugb-f0232a3 h5,.ugb-f0232a3 h6{color:#ffffff}.ugb-f0232a3 p,.ugb-f0232a3 li,.ugb-f0232a3 label,.ugb-f0232a3 table{color:#ffffff}.ugb-f0232a3-content-wrapper > h1,.ugb-f0232a3-content-wrapper > h2,.ugb-f0232a3-content-wrapper > h3,.ugb-f0232a3-content-wrapper > h4,.ugb-f0232a3-content-wrapper > h5,.ugb-f0232a3-content-wrapper > h6{color:#ffffff}.ugb-f0232a3-content-wrapper > p,.ugb-f0232a3-content-wrapper > ol li,.ugb-f0232a3-content-wrapper > ul li{color:#ffffff}.ugb-f0232a3 a,.ugb-f0232a3 a:visited,.ugb-f0232a3 a:focus{color:#ffffff}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-f0232a3-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-f0232a3-content-wrapper\">\n<h3 class=\"wp-block-heading\" id=\"h-unser-tipp-du-hast-mehrere-saule-3a-konten\">Our tip: Do you have several pillar 3a accounts?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" 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\">When switching pillar 3a, you can only transfer one account at a time and only the entire assets of this pension account.\nIf you want to switch several accounts, create another portfolio in the app and initiate a second transfer order. <\/p>\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-45160d9\" id=\"schritt-6-saule-3-a-ubertragungsauftrag-per-post-wegschicken\" data-block-id=\"45160d9\"><h2 class=\"stk-block-heading__text\">Step 6: Send the pillar 3a transfer order by post<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0a1f5e0\" data-block-id=\"0a1f5e0\"><p class=\"stk-block-text__text\">Send the form with the pillar 3a transfer order by post to your current pension foundation. The foundation will take care of everything else for you. It will contact the Terzo pension foundation, which is behind VIAC, and ensure that your pillar 3a assets specified on the form are transferred there.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-3df7ea1\" data-block-id=\"3df7ea1\"><p class=\"stk-block-text__text\">As soon as the credit arrives, which was the case for us after a few days, your transferred credit will be displayed in the VIAC app and you will also be notified by email.\nFrom then on, you will benefit from the current interest rate and the opportunities and risks of your chosen investment strategy.\nYour previous pension fund will close the account, prepare a final statement and send it to you.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-7f8e3d8 stk-block-background\" data-block-id=\"7f8e3d8\"><style>.stk-7f8e3d8 {background-color:#02b875 !important;}.stk-7f8e3d8:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-7f8e3d8-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-f08d2fd\" data-v=\"4\" data-block-id=\"f08d2fd\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-f08d2fd-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-f08d2fd-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-tipp\">Our tip: Allow enough time<\/h3>\n\n\n\n<p class=\"has-white-color has-text-color wp-block-paragraph\" 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\">Some pension funds protect themselves with notice periods against rapid pillar 3a transfers. As a rule, a transfer takes several weeks to a few months, but there are also extreme cases of 6-month notice periods for 3a funds. <\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-f2a60c3\" id=\"zusammenfassung-viac-code-smolio-saule-3-a-wechseln\" data-block-id=\"f2a60c3\"><h2 class=\"stk-block-heading__text\">Summary VIAC Code Smolio &#8211; Change pillar 3a<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-2997b76\" data-block-id=\"2997b76\"><p class=\"stk-block-text__text\">You can switch to VIAC quickly and easily and also save money with the VIAC code <strong>Smolio<\/strong>. This gives you double the free credit. However, first check whether a <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/passive-pillar-3a-funds-why-pay-more\/\">pillar 3a with securities<\/a> makes sense for you. Because <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/asset-classes-or-three-ways-to-make-money-with-a-lemonade-stand\/\">more return also means more risk<\/a>. If this is right for you, a pillar 3a switch can be done in just a few steps and is not rocket science. This is how you can get more return from your pension money.     <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-bulvy73 stk-block-background callout\" data-block-id=\"bulvy73\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-bulvy73{background-color:#02b875 !important;margin-bottom:40px !important}.stk-bulvy73:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-bulvy73-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-ki7ijey\" data-v=\"4\" data-block-id=\"ki7ijey\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-ki7ijey-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-ki7ijey-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-91xmcsz\" data-block-id=\"91xmcsz\"><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&#x308;bersicht-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-msr4cqb\" data-v=\"4\" data-block-id=\"msr4cqb\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-msr4cqb-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-msr4cqb-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","protected":false},"excerpt":{"rendered":"<p>Tired of low interest rates on your pillar 3a retirement savings account and want to make your retirement savings work harder for you?<br \/>\nSwitch your pillar 3a and get more out of your money.<br \/>\nYou&#8217;ll get much more out of securities in the long term than a savings booklet.<br \/>\nThat&#8217;s why we&#8217;ve looked at the best offers for pillar 3a with securities.<br \/>\nBut how exactly does switching pillar 3a actually work?<br \/>\nWe tried it out and show you step by step.     <\/p>\n","protected":false},"author":8,"featured_media":4281,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2260,2442],"tags":[2292,2262,2462,2261],"class_list":["post-8668","post","type-post","status-publish","format-standard","has-post-thumbnail","category-invest-in-pillar-3a","category-viac-3a-en","tag-change-pillar-3a","tag-pillar-3a","tag-pillar-3a-pension-fund","tag-securities-savings-pillar-3a"],"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:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/24081823\/Smolio_Blog_woman-on-sofa-watching-tv-changing-channel-with-PD3X72J_squuoshed-scaled.jpg",2560,1708,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/24081823\/Smolio_Blog_woman-on-sofa-watching-tv-changing-channel-with-PD3X72J_squuoshed-315x210.jpg",315,210,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/24081823\/Smolio_Blog_woman-on-sofa-watching-tv-changing-channel-with-PD3X72J_squuoshed-800x534.jpg",800,534,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/24081823\/Smolio_Blog_woman-on-sofa-watching-tv-changing-channel-with-PD3X72J_squuoshed-768x513.jpg",768,513,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/24081823\/Smolio_Blog_woman-on-sofa-watching-tv-changing-channel-with-PD3X72J_squuoshed-2000x1335.jpg",1140,761,true],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/24081823\/Smolio_Blog_woman-on-sofa-watching-tv-changing-channel-with-PD3X72J_squuoshed-scaled.jpg",1536,1025,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/24081823\/Smolio_Blog_woman-on-sofa-watching-tv-changing-channel-with-PD3X72J_squuoshed-scaled.jpg",2048,1366,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/24081823\/Smolio_Blog_woman-on-sofa-watching-tv-changing-channel-with-PD3X72J_squuoshed-scaled.jpg",1040,694,false],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/24081823\/Smolio_Blog_woman-on-sofa-watching-tv-changing-channel-with-PD3X72J_squuoshed-scaled.jpg",540,360,false],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/24081823\/Smolio_Blog_woman-on-sofa-watching-tv-changing-channel-with-PD3X72J_squuoshed-scaled.jpg",220,147,false],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/24081823\/Smolio_Blog_woman-on-sofa-watching-tv-changing-channel-with-PD3X72J_squuoshed-scaled.jpg",360,240,false],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/24081823\/Smolio_Blog_woman-on-sofa-watching-tv-changing-channel-with-PD3X72J_squuoshed-scaled-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/24081823\/Smolio_Blog_woman-on-sofa-watching-tv-changing-channel-with-PD3X72J_squuoshed-scaled-400x267.jpg",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/03\/24081823\/Smolio_Blog_woman-on-sofa-watching-tv-changing-channel-with-PD3X72J_squuoshed-scaled-300x300.jpg",300,300,true]},"post_excerpt_stackable_v2":"<p>Tired of low interest rates on your pillar 3a retirement savings account and want to make your retirement savings work harder for you?<br \/>\nSwitch your pillar 3a and get more out of your money.<br \/>\nYou&#8217;ll get much more out of securities in the long term than a savings booklet.<br \/>\nThat&#8217;s why we&#8217;ve looked at the best offers for pillar 3a with securities.<br \/>\nBut how exactly does switching pillar 3a actually work?<br \/>\nWe tried it out and show you step by step.     <\/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\/8668","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=8668"}],"version-history":[{"count":3,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8668\/revisions"}],"predecessor-version":[{"id":9771,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8668\/revisions\/9771"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/4281"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8668"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8668"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8668"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}