Help CenterPillar 3a
Everything about Pillar 3a and why we waive a management fee
Costs and interestThe cost regulations of the pension foundation mention an administrative fee. Why does the website say that the offer is free of charge?Why is True Wealth able to offer a securities-based Pillar 3a free of charge, while other market participants charge for it?Is True Wealth planning to increase fees in the future?How much does True Wealth's Pillar 3a cost?Where can I find the tax return documents?How can True Wealth offer an interest rate of 1%?How large are the FX spreads on Pillar 3a from True Wealth?How often is the interest paid out and where can I see this?
Deposits & transfers from other providersCan I also transfer my 3a accounts from other providers to True Wealth?How much money should be in each Pillar 3a account?
Liquidation of Pillar 3a and payoutFor what reasons can Pillar 3a be paid out early?Can I have my Pillar 3a transferred from True Wealth to another provider?When can I liquidate my Pillar 3a?How can I withdraw my Pillar 3a?What happens to Pillar 3a in the event of death?How is the Pillar 3a payout taxed?By when do you have to withdraw the Pillar 3a?Does True Wealth's staggered withdrawal system guarantee me a maximum tax deduction?
Maximal and minimal amountsI am self-employed and can pay more than CHF 7’056 into my Pillar 3a. Is this possible with True Wealth?I already use True Wealth's Pillar 3a and have paid in the maximum annual contribution. Now I want to transfer an additional amount from another provider to True Wealth. How does this affect the staggering of the accounts?What is the maximum amount I can pay into my 3rd pillar in 2023?
GeneralWhat is Pillar 3a?What is Pillar 3b?Is there also a Pillar 3a app?Why should you choose True Wealth's Pillar 3a?How long does it take to open my Pillar 3a with True Wealth?Is there a minimum contract term with True Wealth?Can I also use True Wealth's Pillar 3a without investing in free asset management?
About the investment processWhat are the advantages of holistic asset management and why is only one investment strategy possible?Why are past returns not an indicator of future returns?How exactly does True Wealth's auto top-up system work?If True Wealth already opens at least five 3a accounts and I have other 3a accounts with other providers, isn't that a problem?Is my money safe and does the deposit guarantee also apply to my Pillar 3a assets?How often does the rebalancing of the Pillar 3a account take place?Does True Wealth also use fractional shares?Can I hold the same number of shares and the same amount of foreign currency in my Pillar 3a as in my free assets?Does True Wealth plan to also use withholding tax-exempt index funds in Pillar 3a?Why are currency-hedged ETFs or index funds used in some cases?Do currency-hedged investment instruments incur additional costs?What is pooling and netting and how does it benefit me as a client?Does True Wealth engage in securities lending in Pillar 3a?Which is better for Pillar 3a, ETFs or index funds?I want to be 100% invested in cash for the moment. How can I adjust my investment strategy?
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