No, this is not possible. One of the reasons for this is that the Terzo Pension Foundation can invest in special and extremely favourable index fund tranches. These cannot be invested by private individuals. As a result, you benefit from much lower fees during the savings period in your 3rd pillar. If you want to invest in index investments after your retirement, it is advisable to compare the costs of the providers under the following link.
Yes, this is possible at any time subject to notice. However, we do not transfer any securities; the transfer is always carried out as a bank transfer in CHF.
When you reach the ordinary AHV age, the money must definitely be withdrawn unless you continue to work. In this case, the money must be withdrawn no later than 5 years after reaching the AHV age.
Early withdrawals are possible, among other things, for purchases of owner-occupied residential property, for value-increasing investments or repayment of the mortgage on owner-occupied residential property. Those who set up their own business or emigrate from Switzerland can also withdraw the money. Under certain conditions, disability may also entitle the holder to claim the 3rd pillar early.
Normally, the money cannot be drawn until at least 5 years before reaching the normal AHV age. This is currently the case with women at 59 and men at 60 years of age.
Under "Profile / Settings / Close portfolio" you can trigger the closing of a portfolio. Security investments will be sold on the next possible rebalancing day. After concluding the process you will receive a closing order by e-mail. Once we receive your signed closing order, your assets will be transferred within 36 days (maximum 31 days notice period due to the monthly rebalancing and 5 days processing time).
Please send the closing order to the following address: Terzo Pension Foundation, Team VIAC, Auberg 1, 4002 Basel
Should you wish to transfer your VIAC portfolio to another pension foundation, please select "Transfer to other pension institution" in the app and then send us a signed transfer order from the beneficiary pension foundation. Please note the portfolio number (format 220.127.116.116.01) on this transfer order - we do not have an IBAN or account number.
Any securities will be sold at the next rebalancing date within a maximum of 31 days. The payout will then be made with a processing time of 5 working days. If your assets are already in cash, the payout may be faster.