Help Center Pillar 3aHow much does True Wealth's Pillar 3a cost?

How much does True Wealth's Pillar 3a cost?

True Wealth's pillar 3a offer is free of charge and no asset management fees are charged on the invested pension assets. The cash portion 3a earns interest at 1.0% p.a. (as at 01.11.2024). Custody account management is also free of charge and no trading commissions are charged.

The investment instruments (ETFs and index funds exempt from withholding tax) charge all investors product costs (TER) directly in the fund - regardless of whether you place them individually in a custody account or have them managed by us. The average TER for our portfolios is around 0.13% for the global investment universe and 0.21% for the sustainable investment universe.

Thanks to pooling & netting, we are able to avoid numerous stock exchange transactions altogether and reduce the remaining costs (e.g. for currency conversions or federal stamp duty) to a minimum. The remaining foreign exchange transactions are processed at favorable conditions: 10 pips or 0.10% on the foreign exchange transaction volume.

True Wealth does not differentiate between new and existing clients. Our attractive conditions apply to everyone.

More questions in "Pillar 3a"

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 1.0%?In an earlier version of the pension foundation's cost regulations, a management fee was noted, but now it says «free of charge». What is the background?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 2024/2025 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?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?Where can I see how my Pillar 3a assets are distributed among the various accounts?What is the maximum amount I can pay into Pillar 3a in 2024?What is the maximum amount I can pay into Pillar 3a in 2025?I 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 would like to transfer an additional amount from another provider to True Wealth. How does this affect the staggering of the accounts?What is Pillar 3a?Why should you choose True Wealth's Pillar 3a?What is Pillar 3b?Is there also 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 to a Pillar 3a account?What are the advantages of holistic asset management and why is only one investment strategy possible?Is my money safe and does the deposit guarantee 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?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?What is pooling and netting and how does it benefit me as a client?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 registered office of the Pension Foundation 3a Digital 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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