Make your financial decisions with concrete numbers.
Four interactive simulators to understand real estate, the stock market, pillar 3a and retirement in Switzerland. Educational, free, not investment advice.
Real Estate vs Stocks
Buy or rent and invest? The evolution of your wealth over 25 years with the same budget.
LiveAsset Allocation
Stocks, bonds, cash: the impact of your allocation across 1 500 simulated scenarios.
LivePillar 3a Decoded
What your pillar 3a really delivers: tax savings and long-term returns compared.
LiveCapital or Pension?
2nd pillar: compare lump-sum withdrawal and lifetime pension according to your life expectancy.
DCA vs Lump Sum
Invest gradually or all at once: the arithmetic behind the most debated question.
Understand the mechanisms, not follow advice
ViaVest sells nothing and recommends nothing. These tools were built to answer concrete questions: How much should I invest in pillar 3a by canton? Does my 60/40 allocation hold up over 25 years in an adverse scenario? Is buying an apartment in Zurich more profitable than investing the same budget in equities?
Each calculator uses real financial mechanisms (Monte Carlo simulation, compound interest models, cantonal tax rates, official BVG conversion rates) to produce educational projections. Results do not constitute investment advice.
The decisions are yours. The numbers are here.
Understand the mechanisms
Why your allocation decides everything after 25 years
The split between stocks, bonds and cash determines your final wealth more than individual security selection.
Pillar 3a maximum 2026: amounts and contribution deadlines
CHF 7 258 for employees, CHF 36 288 for the self-employed. What to contribute, when and why it matters.
How the BVG conversion rate works
The conversion rate turns your BVG capital into a monthly pension. A poorly understood mechanism that has been declining for 25 years.