Does True Wealth's staggered withdrawal system guarantee me a maximum tax deduction?

Of course, True Wealth cannot guarantee that splitting your retirement savings across multiple accounts will result in the maximum tax deduction when you withdraw the funds in the future.

However, the general rule is: Instead of withdrawing the entire 3a capital in a single tax year, it is often more tax-efficient under current regulations to spread the withdrawal over five years to break the tax progression. Our automatic distribution of 3a funds across up to five accounts helps you manage your capital withdrawal more flexibly.

Please note that tax practices regarding the withdrawal of pension funds vary from canton to canton. For example, some cantons – but not all – apply a progressive tax rate to pension lump-sum payments in addition to the direct, progressive federal tax. You should therefore check with your tax authority well in advance. With our solution, we aim to provide you with maximum flexibility for future capital withdrawals – even if you do not yet know in which canton or at what time you will eventually withdraw your pension capital.