Help Center Pillar 3aDoes True Wealth also use fractional shares?

Does True Wealth also use fractional shares?

Yes, first a clarification of terms: fractional shares can be used to purchase shares, ETFs, or index funds. This can make it easier for investors with a small investment amount in particular to access the financial market.

Since third pillar pension assets are held centrally by a pension foundation, as required by law, the securities can be traded in bundles on the stock exchange and then allocated to individual clients (this saves costs; for more information, see «Pooling & Netting»). This means that we can now also allocate fractions of ETFs or index funds to individual clients.

The advantage for our clients is that a high degree of portfolio diversification can be achieved even with a small investment amount.

Fractional shares cannot be used in unbundled wealth management portfolios because a separate securities account is opened for each client.

More questions in "Pillar 3a"

What is the difference between Pillar 3a and Pillar 3b?Why should you choose True Wealth's Pillar 3a?Does True Wealth also offer a Pillar 3a app?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?At what age can I start paying into Pillar 3a?Can I make retroactive contributions/purchases to a Pillar 3a account?Can I continue to pay contributions into Pillar 3a after retirement?How much does True Wealth's Pillar 3a cost?Why is True Wealth able to offer a securities-based Pillar 3a for free when other providers charge?Will I get the Swiss withholding tax on Pillar 3a investments back?How can True Wealth offer an interest rate of 0.45%?Is True Wealth planning to increase fees in the future?Where can I find the tax return documents?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?Pillar 3a processing dates over the 2025/2026 holidays Can I also transfer my 3a accounts from other providers to True Wealth?How much money should be in each Pillar 3a account?For what reasons can Pillar 3a be paid out early?Is it possible to transfer my Pillar 3a 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?Until when do the Pillar 3a funds have to be withdrawn at the latest?Does True Wealth's staggered withdrawal system guarantee me a maximum tax deduction?Where can I see how my Pillar 3a assets are distributed among the various accounts?What happens to my Pillar 3a if I leave Switzerland?What is the maximum Pillar 3a amount for 2025?I am self-employed and can pay more than CHF 7’258 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 would like to transfer an additional amount from another provider to True Wealth. How does this affect the staggering of the accounts?Why can't different investment strategies be chosen for the untied assets and the Pillar 3a?Does the deposit insurance also apply to my Pillar 3a assets?How exactly does True Wealth's auto top-up system work?Does True Wealth also use index funds exempt from withholding tax in Pillar 3a?Why are past returns not an indicator of future returns?If True Wealth already opens at least five 3a accounts and I have other 3a accounts with other providers, isn't that a problem?Can I hold the same number of shares and the same amount of foreign currency in my Pillar 3a as in my free assets?What are pooling and netting, and how do they benefit me as a customer?Does True Wealth engage in securities lending in Pillar 3a?I want to be 100% invested in cash for the moment. How can I adjust my investment strategy?Where can I view the regulations of the 3a Digital Pension Foundation?Where is the «Pension Foundation 3a Digital» based and how is it supervised?How is True Wealth regulated, and where are my pension assets held?Which is better for Pillar 3a, ETFs or index funds?

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