Maximum convenience and return
for your Pillar 3a

Investing in the third pillar is simply a must.
It saves you taxes year after year, no matter which provider you choose.
We say: that's great. But it could be so much better!

Your advantages with 3a from True Wealth

Pillar 3a in a nutshell

  • More money in retirement
    With Pillar 3a you can improve your pension and secure more wealth for retirement.
  • Save taxes up to the maximum amount
    You are allowed to deduct the amount paid in from your taxable income.
  • Early withdrawal for home ownership
    If you live in the property yourself, you can use Pillar 3a funds to finance or amortise it.
  • Variable deposits
    You determine the amount you pay into Pillar 3a yourself.
  • Flexible cash out
    You can withdraw your funds five years before reaching AHV age.

Investing better automatically

We ask all the questions needed to make a good decision. Then our algorithms ensure that everything goes as planned. Three steps are all it takes, and you're already investing better. In both free assets and Pillar 3a.

How much should flow into your third pillar each year? Set the amount once as an «automatic payment». And only think about it again when you want to change the amount. Our recommendation for employed persons to save the maximum amount of tax: The maximum amount. (In 2022, this is CHF 6'833).

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One account, one IBAN, one portfolio – we manage the assets from the tied pension in Pillar 3a just as simply and cleverly as your free assets. What this means for you: You only need to define your individual strategy once. And you can change it at any time with a single decision for your entire assets.

Holistic Solution

Like income tax, the taxes on third pillar withdrawals are progressive. That's why we automatically set up five retirement savings accounts for you so you can withdraw your retirement capital in stages over several years. This means that we place new payments in a different account each year on a rotating basis.

Save Taxes

How much should flow into your third pillar each year? Set the amount once as an «automatic payment». And only think about it again when you want to change the amount. Our recommendation for employed persons to save the maximum amount of tax: The maximum amount. (In 2022, this is CHF 6'833).

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The leading Swiss Robo-Advisor

  • 12'500 clients with an active portfolio
  • More than CHF 800 million in managed assets
  • Award-winning digital user experience
  • Excellent customer service
  • No lock-in, no minimum duration

Invest simply as of today

For free assets and tied pension provision. With us, one account is enough for everything.

Open account now

Pillar 3a should not cost a thing

Whether you are employed, freelance or an entrepreneur: We want to introduce you to sound, long-term investments and support you in building up assets. With your Pillar 3a, you can learn free of charge how well professional asset management can work for you.

  • Favourable for us, favourable for you
    Technology is productive. Everyone saves time with it, both you and us. And because we save time, we also save costs. We pass on this advantage. In the third pillar, we do not charge any fees at all – we keep them as low as possible for your free assets. We also use only cost-efficient ETFs and index funds as investment instruments.
  • Whoever convinces does not need to sell
    We believe: If you manage your third pillar with us, then sooner or later you will also entrust us with your free assets – this saves us advertising costs, which we prefer to spend on a better return on your pension provision. We charge a small fee for the free assets, but even this is extremely competitive thanks to automation.
  • Fewer fees, more return
    It has been scientifically proven: You achieve the highest returns over the long term if you keep investment costs low at all levels. Despite this, some providers charge outrageous fees for investments in equities – but not True Wealth.

Only manual special cases cost a fee: More complex withdrawals require elaborate checks: If you prematurely terminate your third pillar for emigration, home ownership or self-employment, then we have to charge you for this effort.

Free of charge

Stagger correctly automatically

The third pillar also incurs some taxes – but this only occurs later on, once the money has been withdrawn. It takes many years until then, many think. And that's how expensive mistakes arise. We make sure that you automatically get everything right.

Breaking progression
Like income tax, taxes on third pillar withdrawals are progressive. Those who withdraw more pay disproportionately more. This can be countered: Do not withdraw everything at once. The law allows you to withdraw a pension account five years before you reach AHV age.

Keeping five accounts
The pitfall: Each individual Pillar 3a retirement savings account must be paid out in one go. If you want to withdraw in five staggered installments, you have to open five accounts early on – even with the same provider.

Balancing the accounts
When it comes to the payout, ideally all accounts will have the same balance. If you keep all five of your accounts with us, we take care of the balance. We therefore place new deposits in a different account every year on a rotating basis.

Efficient transfer
When you transfer assets from other providers, we automatically book them in the best way: To a new, empty sub-account.

How many Pillar 3a accounts are useful?
Tax practice on the withdrawal of pension assets differs from canton to canton. For example, in addition to the direct federal tax, some cantons also apply a tax progression to lump-sum benefits from the pension scheme, but not all. With regard to progression, the tax treatment of staggered withdrawals also varies from canton to canton. If necessary, enquire with your tax authority in good time. With our solution, we try to ensure you maximum flexibility in later lump-sum withdrawals, even if you don't yet know which canton you will later withdraw your pension assets from.

Never miss a benefit

For free assets and tied pension savings: With True Wealth, one account is enough for everything.
Start now with Pillar 3a.

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Put us to the test

True Wealth not only has the lowest fees in Swiss wealth management. We are also ahead on all other points. The best thing is to compare for yourself:

Competitors

Pillar 3a holistically integrated into asset management

Automatic deposits (never miss out on tax benefits again)

Automatically several 3a accounts (for staggered, tax-efficient withdrawals)

Up to 99% equity exposure, choice of global or sustainable portfolio

Individual investment strategy

Transparent online reporting

Cost-efficient investment instruments (only ETF and index funds, no expensive actively managed funds)

Account-holding bank with state guarantee

Management fee

0.0%

0.39% – 1.35%

Interest on cash

1.0% p.a.

0.0% – 0.25% p.a.

This comparison refers to offers with at least 50% securities content and includes the following competitors: Findependent, Frankly, Viac, Selma Finance and Inyova. Brand names are the property of their respective owners. Management costs, custody and administration fees of the pension schemes were considered; product costs (TER), stamp duties, trading spreads and currency exchange costs have been added where applicable.

Fees are subject to change.

Source: Websites of the respective providers as well as publication «Digitales Anlegen: Update 2022», a study by e.foresight and the Institute for Financial Services Zug 2022.

Questions & Answers

We are happy to answer any question you may have. You can find the most frequently asked questions right here.

True Wealth is licensed by the Swiss Financial Market Supervisory Authority FINMA to act as an asset manager of retirement assets.
As required by law, the custodian of the pension assets is a foundation, in our case the 3a Digital Pension Foundation, based in Liestal, canton Basel-Landschaft. Accordingly, as a client of True Wealth, you conclude a pension agreement with this foundation. The founder of the 3a Digital Pension Foundation is Basellandschaftliche Kantonalbank.

First of all, fractional shares can be used to acquire a portion of equities, ETFs or index funds. This can facilitate access to the financial market, especially for investors with a small investment amount.
Since, as required by law, the pension assets of the third pillar are also held in central custody at a pension foundation, it is possible to trade the securities in bundles on the stock exchange and then allocate them to the individual insured persons (this saves costs, for more information see Pooling & Netting). As a result, we can now also allocate fractionals of ETFs or index funds to an individual client.
For our clients, this has the advantage that a high degree of portfolio diversification can be achieved even with a small investment amount. In addition, this enables us to waive a minimum investment amount for our clients.

Unfortunately, fractional shares cannot be used in the management of free assets at present, as a separate securities account is opened for each client.

With the following exceptions, early withdrawal of Pillar 3a is possible:

  • To finance owner-occupied residential property or to repay a mortgage
  • If you buy into another tax-exempt pension plan or another recognised form of pension plan
  • When taking up self-employment
  • When leaving Switzerland permanently
  • In the event of disability or death

Yes, this is possible without any issues at any time of the year. Once you have activated Pillar 3a with us, you will find a personally issued PDF form under «Deposits» that you can send to your existing 3a provider for the transfer.

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