{"id":8827,"date":"2024-04-06T15:26:09","date_gmt":"2024-04-06T13:26:09","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/viac-bitcoin-crypto-precaution\/"},"modified":"2024-10-26T21:02:18","modified_gmt":"2024-10-26T19:02:18","slug":"viac-bitcoin-crypto-precaution","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/viac-bitcoin-crypto-precaution\/","title":{"rendered":"VIAC Bitcoin 2024: crypto precautions?"},"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<p data-block-type=\"core\">With VIAC Bitcoin, you can now invest 100% of your pillar 3a in Bitcoin.\nAn ETF on Bitcoin was approved for the first time in the USA at the beginning of 2024.\nMany people dream of quick money with Bitcoin.\nWhat is possible and do you need VIAC Bitcoin in your pillar 3a pension?   <br\/><\/p>\n\n<!--more-->\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-090d52c stk-block-background\" data-block-id=\"090d52c\"><p class=\"stk-table-of-contents__title\">We clarify these questions in the article on VIAC Bitcoin:<\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#wie-viel-investiert-viac-bitcoin-saule-3-a-in-kryptowahrungen\">How much does VIAC Bitcoin Pillar 3a invest in cryptocurrencies?<\/a><\/li><li><a href=\"#seit-dezember-2021-geht-das-mit-der-saule-3-a-von-finpension-und-einer-individuellen-anlagestrategie-bis-zu-5-deines-vermogens-kannst-du-in-den-crypto-market-index-fund-investieren-finpension-will-so-als-innovator-im-vorsorgemarkt-auch-bei-kryptoanlagen-in-der-saule-3-a-ganz-vorn-mitmischen\">What is the iShares Bitcoin Trust ETF?<\/a><\/li><li><a href=\"#was-kostet-viac-bitcoin\">What does VIAC Bitcoin cost?<\/a><\/li><li><a href=\"#muss-ich-fur-viac-bitcoin-in-der-saule-3-a-ein-neues-portfolio-eroffnen\">Do I have to open a new portfolio for VIAC Bitcoin in pillar 3a?<\/a><\/li><li><a href=\"#zusammenfassung-viac-bitcoin\">Summary VIAC Bitcoin<\/a><\/li><\/ul><\/nav>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-09ea5e3\" id=\"wie-viel-investiert-viac-bitcoin-saule-3-a-in-kryptowahrungen\" data-block-id=\"09ea5e3\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">How much does VIAC Bitcoin Pillar 3a invest in cryptocurrencies?<\/h2><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-6432b49\" data-block-id=\"6432b49\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-6432b49-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-902b135\" data-v=\"4\" data-block-id=\"902b135\"><style>@media screen and (min-width: 768px){.stk-902b135 {flex:var(--stk-flex-grow, 1) 1 33.3% !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-902b135-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-902b135-inner-blocks\">\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-971266a\" data-block-id=\"971266a\"><p class=\"stk-block-text__text\">VIAC does not invest your pillar 3a money in <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/blockchain-and-bitcoin-how-to-prepare-for-the-financial-market-of-tomorrow\/\">cryptocurrencies<\/a> unless you decide to do so. VIAC Bitcoin was announced with a pop-up in the app in mid-March 2024: You can now also invest in a Bitcoin ETF. This is possible with your own investment strategy.    <\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-aef68df\" data-block-id=\"aef68df\"><p class=\"stk-block-text__text\">You can invest up to 5% of your personal pension assets in the iShares Bitcoin Trust ETF.\nThis makes cryptos an addition to the investment mix at VIAC.\nIn this respect, the inclusion of the ETF is merely an expansion of the investment universe for experienced investors.\nYou can now select another product in your own strategies.     <\/p><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-2605a7c\" data-v=\"4\" data-block-id=\"2605a7c\"><style>@media screen and (min-width: 768px){.stk-2605a7c {flex:var(--stk-flex-grow, 1) 1 66.7% !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-2605a7c-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-2605a7c-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-5b1a992\" data-block-id=\"5b1a992\"><style>.stk-5b1a992 .stk-img-wrapper{width:75% !important;}<\/style><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7699\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06105121\/2024-04_Smolio-Blog_VIAC-Saule-3a-Bitcoin.webp\" width=\"464\" height=\"702\" alt=\"VIAC Pillar 3a Bitcoin\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06105121\/2024-04_Smolio-Blog_VIAC-Saule-3a-Bitcoin.webp 464w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06105121\/2024-04_Smolio-Blog_VIAC-Saule-3a-Bitcoin-315x477.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06105121\/2024-04_Smolio-Blog_VIAC-Saule-3a-Bitcoin-360x545.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06105121\/2024-04_Smolio-Blog_VIAC-Saule-3a-Bitcoin-400x605.webp 400w\" sizes=\"auto, (max-width: 464px) 100vw, 464px\" \/><\/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-da22d0d\" id=\"seit-dezember-2021-geht-das-mit-der-saule-3-a-von-finpension-und-einer-individuellen-anlagestrategie-bis-zu-5-deines-vermogens-kannst-du-in-den-crypto-market-index-fund-investieren-finpension-will-so-als-innovator-im-vorsorgemarkt-auch-bei-kryptoanlagen-in-der-saule-3-a-ganz-vorn-mitmischen\" data-block-id=\"da22d0d\"><h2 class=\"stk-block-heading__text\">What is the iShares Bitcoin Trust ETF?<\/h2><\/div>\n\n<p data-block-type=\"core\">On January 10, 2024, after years of refusal, the US Securities and Exchange Commission finally <a href=\"https:\/\/www.sec.gov\/files\/rules\/sro\/nysearca\/2024\/34-99306.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">approved<\/a> the trading of physically backed Bitcoin ETFs in the US. These Bitcoin ETFs track the spot price of the cryptocurrency. This means that institutional investors can now also invest in Bitcoin via exchange-traded products. Since then, around a dozen providers have launched Bitcoin Spot ETFs in the USA.   <\/p>\n\n<p data-block-type=\"core\">The iShares Bitcoin Trust ETF from BlackRock is one of them.\nAs the name suggests, the iShares Bitcoin Trust ETF tracks the spot price of Bitcoin and physically deposits Bitcoins in the Coinbase wallet.\nCoinbase is a US public limited company founded in 2012 that operates a trading platform for cryptocurrencies.  <\/p>\n\n<p data-block-type=\"core\">The aim of the Bitcoin Trust ETF (ticker symbol IBIT) is to track the price performance of Bitcoin 1:1.\nTo this end, the ETF invests <strong>100%<\/strong> in this cryptocurrency.\nThe base currency of the ETF is US dollars and the product does not provide for any distributions.\nThe ETF was launched on January 5, 2024 and first traded on NASDAQ on January 11, 2024.\nThe product is authorized in the USA and not in Europe.\nIncidentally, this is also the reason why these products may not be used in vested benefits foundations.\nBecause according to        <a href=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/1994\/2399_2399_2399\/de#art_19_a\" target=\"_blank\" rel=\"noreferrer noopener\">Art. 19a para.\n3 let.\nb  <\/a>  Only funds that have a distribution license in Switzerland are permitted.<\/p>\n\n<p data-block-type=\"core\">Further information on the iShares Bitcoin Trust ETF can be found on the BlackRock <a href=\"https:\/\/www.blackrock.com\/us\/individual\/products\/333011\/ishares-bitcoin-trust\" target=\"_blank\" rel=\"noopener\">product website.<\/a> <\/p>\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-wichtiger-hinweis\">Important note<\/h3>\n\n\n\n<p class=\"has-white-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\">Note that the iShares Bitcoin Trust ETF invests exclusively in one product \u2013 Bitcoin.\nIt therefore offers no diversification and therefore no risk spreading.\nYou are betting all your money on one horse.\nIt is an investment product approved in the USA for professional investors, which is also made available to private investors as part of the pension plan.\nThere will be no Bitcoin ETFs in Europe because the UCITS Directive on investor protection requires a minimum level of diversification for the authorization of ETFs.\nBy investing in the Bitcoin Trust ETF, you are investing in a highly volatile asset.       <\/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-6a978da\" id=\"was-kostet-viac-bitcoin\" data-block-id=\"6a978da\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">What does VIAC Bitcoin cost?<\/h2><\/div>\n\n<p data-block-type=\"core\">Not much.\nAccording to the fact sheet, the iShares Bitcoin Trust ETF charges a TER of 0.25 %, which VIAC Bitcoin equally discloses as product costs.\nThis compares favorably with other Bitcoin ETFs domiciled in Europe.\nCompared to most other investments in VIAC\u2019s investment spectrum, the TER is in the midfield.   <\/p>\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 \u2013 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-a45b47f\" id=\"muss-ich-fur-viac-bitcoin-in-der-saule-3-a-ein-neues-portfolio-eroffnen\" data-block-id=\"a45b47f\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">Do I have to open a new portfolio for VIAC Bitcoin in pillar 3a?<\/h2><\/div>\n\n<p data-block-type=\"core\">No, investing cryptocurrencies with VIAC does not require a new portfolio.\nYou can reallocate your existing pillar 3a portfolio to a new, individual strategy. <\/p>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-75d3662\" data-block-id=\"75d3662\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7707\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06144548\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-25-58-utc.webp\" width=\"1200\" height=\"800\" alt=\"VIAC Pillar 3a Bitcoin\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06144548\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-25-58-utc.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06144548\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-25-58-utc-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06144548\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-25-58-utc-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06144548\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-25-58-utc-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06144548\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-25-58-utc-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06144548\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-25-58-utc-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-15671d1\" id=\"zusammenfassung-viac-bitcoin\" data-block-id=\"15671d1\"><h2 class=\"stk-block-heading__text stk-block-heading--use-theme-margins\">Summary VIAC Bitcoin<\/h2><\/div>\n\n<p data-block-type=\"core\">In our view, your retirement assets should generate dividend income in line with inflation, offer security of capital and promise reasonable growth.\nCryptocurrencies and bitcoins are a very volatile asset and, in the case of bitcoin, a big bet on the future with no intrinsic value, which in our view you should not take with money you are saving and need for retirement.   <\/p>\n\n<p data-block-type=\"core\">From discussions with asset managers, we know that less than 5% of investors make use of this option to integrate cryptocurrencies into their portfolio and that the total value accounts for less than 0.2% of assets.\nWe therefore classify VIAC\u2019s innovation of enabling cryptocurrency in the form of Bitcoin more as a marketing campaign that follows the zeitgeist and media interest and is intended to make the product more attractive, but is not really relevant for your long-term retirement provision. <\/p>\n\n<p data-block-type=\"core\">Many people think of VIAC when they think of low-cost pillar 3a and forget that <strong><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/finpension-bitcoin-the-crypto-pioneer-of-pillar-3a\/\">finpension <\/a>, with its lower flat fee of 0.39 %, is even cheaper for many and also offers the Bitcoin Trust.<\/strong><\/p>\n\n<div class=\"wp-block-ugb-container ugb-container ugb-935e79a ugb-container--v2 ugb-container--design-basic ugb-main-block\"><style>.ugb-935e79a-wrapper.ugb-container__wrapper{border-radius:0px !important;background-color:#02b875 !important}.ugb-935e79a-wrapper.ugb-container__wrapper:before{background-color:#02b875 !important}.ugb-935e79a h1,.ugb-935e79a h2,.ugb-935e79a h3,.ugb-935e79a h4,.ugb-935e79a h5,.ugb-935e79a h6{color:#ffffff}.ugb-935e79a p,.ugb-935e79a li,.ugb-935e79a label,.ugb-935e79a table{color:#ffffff}.ugb-935e79a-content-wrapper > h1,.ugb-935e79a-content-wrapper > h2,.ugb-935e79a-content-wrapper > h3,.ugb-935e79a-content-wrapper > h4,.ugb-935e79a-content-wrapper > h5,.ugb-935e79a-content-wrapper > h6{color:#ffffff}.ugb-935e79a-content-wrapper > p,.ugb-935e79a-content-wrapper > ol li,.ugb-935e79a-content-wrapper > ul li{color:#ffffff}.ugb-935e79a a,.ugb-935e79a a:visited,.ugb-935e79a a:focus{color:#ffffff}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-935e79a-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-935e79a-content-wrapper\">\n<h3 class=\"wp-block-heading\" id=\"h-jetzt-saule-3a-mit-oder-ohne-kryptowahrungen-mit-25-franken-bonus-eroffnen\">Open pillar 3a now (with or without cryptocurrencies) with a CHF 25 bonus<\/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\">Use the code SMLUTQ 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.<\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-64e2f4e\" data-block-id=\"64e2f4e\"><style>.stk-64e2f4e .stk-button-group{flex-direction:row !important;}@media screen and (max-width: 1023px){.stk-64e2f4e .stk-button-group{flex-direction:row !important;}}@media screen and (max-width: 767px){.stk-64e2f4e .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-8ea3bdd\" data-block-id=\"8ea3bdd\"><style>.stk-8ea3bdd .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:\/\/app.finpension.ch\/product-selection\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"stk-button__inner-text\">to finpension pillar 3a<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div><\/div><\/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","protected":false},"excerpt":{"rendered":"<p>With VIAC, you can now invest in 100% Bitcoin in your pillar 3a.<br \/>\nThe high price fluctuations make many people dream of quick money.<br \/>\nDo you need Bitcoin in your pension plan?  <\/p>\n","protected":false},"author":8,"featured_media":7712,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2374,2260,2442],"tags":[2392,2394,2391,2293,2262,2261,2263,2444],"class_list":{"0":"post-8827","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-alternative-investments","8":"category-invest-in-pillar-3a","9":"category-viac-3a-en","10":"tag-bitcoin-en","11":"tag-crypto-assets-en","12":"tag-cryptocurrency-en","13":"tag-finpension-en","14":"tag-pillar-3a","15":"tag-securities-savings-pillar-3a","16":"tag-sponsored-en","17":"tag-viac-en"},"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06151650\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-09-44-utc.webp",1200,800,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06151650\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-09-44-utc-315x210.webp",315,210,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06151650\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-09-44-utc-800x533.webp",800,533,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06151650\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-09-44-utc-768x512.webp",768,512,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06151650\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-09-44-utc.webp",1140,760,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06151650\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-09-44-utc.webp",1200,800,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06151650\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-09-44-utc.webp",1200,800,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06151650\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-09-44-utc-1140x694.webp",1140,694,true],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06151650\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-09-44-utc-555x360.webp",555,360,true],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06151650\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-09-44-utc-220x180.webp",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06151650\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-09-44-utc-360x240.webp",360,240,true],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06151650\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-09-44-utc-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06151650\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-09-44-utc-400x267.webp",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/04\/06151650\/Smolio_Blog_VIAC-Saule-3a-Bitcoin_bitcoin-growth-bitcoin-coins-on-the-ground-and-le-2023-11-27-05-09-44-utc-300x300.webp",300,300,true]},"post_excerpt_stackable_v2":"<p>With VIAC, you can now invest in 100% Bitcoin in your pillar 3a.<br \/>\nThe high price fluctuations make many people dream of quick money.<br \/>\nDo you need Bitcoin in your pension plan?  <\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/alternative-investments\/\" rel=\"category tag\">Alternative investments<\/a>, <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\/8827","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=8827"}],"version-history":[{"count":4,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8827\/revisions"}],"predecessor-version":[{"id":9251,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8827\/revisions\/9251"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/7712"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8827"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8827"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8827"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}