Pillar 3a
Maximum comfort and returns for your retirement savings
Investing in the third pillar is worth it. Year after year, you can save on taxes, no matter which provider you choose. We say: That's great! But it could be so much better!
Give it a try:
Pension planning can be complex and expensive
Many providers make it harder to start investing by offering complex products and lacking transparency. It's different at True Wealth. All you need are simple ETFs and index funds to create an efficient portfolio.
High fees reduce your returns
Many traditional pension products and providers charge high management fees that reduce your returns. We believe that good pension solutions should be free. That's why True Wealth doesn't charge any management fees.
Limited control and even less transparency
Do other providers decide how your money is invested with rigid products? Not with us. At True Wealth, your investment mix reflects your preferences.
Pillar 3a with True Wealth – Invest in the future simply and transparently
Invest flexibly and efficiently – on your terms – with full control and minimal costs.
One strategy for your assets – simple and clear:
One strategy tailored to your risk profile for all your assets, without separate risk profiles or investment strategies.
Enjoy easy, regular deposits with automatic top-up
With the automatic top-up feature, your 3a account is first filled up to the defined limit. Any excess funds are then allocated to your untied portfolio. Automatic top-up ensures you never miss a 3a deposit, which optimizes your taxes.
Save on taxes with automated account staggering
When you activate Pillar 3a with us and make regular deposits, we will open up to five accounts for you. Starting in the sixth year, deposits will be made to the account with the lowest balance. At the time of withdrawal, you can choose which account to cash out from. This allows you to optimize your tax progression flexibly.
True Wealth is secure, easy to use, and very cost-effective. It helps you save more for your future
Automatic creation of multiple accounts for staggered tax-optimized withdrawals
Individual investment strategy with up to 99% equity exposure, choice between global and sustainable
Cost-effective thanks to ETFs and withholding tax-exempt index funds
0% management fee, 0.45% interest on cash, bank with government guarantee
True Wealth fees
| True Wealth fees | 0.00% |
| Ø product costs (ØTER) | 0.15% |
| Total | 0.15% per year |
Your benefits with Pillar 3a from True Wealth
Why choose Pillar 3a with True Wealth?
- Easy tax savings: Automatic deposits and multiple accounts allow for staggered, tax-optimized withdrawals when you retire.
- Global diversification: Broad distribution across equities, bonds, real estate and commodities.
- One strategy for all your assets: For both free assets and tied pension savings. With us, one account is enough for everything.
Why our clients trust True Wealth:
- Swiss quality standards for your investments: Your investments are managed in accordance with the highest regulatory requirements.
- Leading Swiss robo-advisor: Over 30'000 invested clients and more than 1.9 billion Swiss francs in assets under management.
- Excellent customer service: Receive expert support for all your Pillar 3a questions and enjoy the option of personal advice over the phone.
Don't miss out on any advantage
For free assets and tied pension savings: With True Wealth, one account is enough for everything. Start with Pillar 3a today.
Open an account nowDiscover these offers as well:
Wealth management: Flexible investments for your free assets.
Child portfolio: Expertise and wealth-building for the next generation.
Frequently asked questions & answers
Pillar 3a
All benefits at a glance:
- 0% management fee
- Maximum tax optimization
- Secure and automated
A holistic investment strategy
Pillar 3a is integrated into your existing wealth management, so you only need a single investment strategy for all your assets.
Do you have any questions? Our FAQs can help you make your decision.