No. Each VIAC portfolio is considered an independent 3a relationship. Since so-called splitting (partial withdrawals / partial transfers) is not permitted by law in pillar 3a, no assets can be transferred within the VIAC portfolios. Exceptions are partial withdrawals for the purpose of home ownership and partial transfers in the event of divorce.
No. A deposit is only possible in CHF. Our system has nothing to do with the complementary currency WIR.
No. Deposits and withdrawals are free of charge.
No, unfortunately this is not possible. Therefore, we recommend a regular monthly deposit that fits into the longer-term budget.
Yes, we allow you to manage up to 5 portfolios. You can add a second portfolio within seconds directly in the app. This allows you to make a staggered withdrawal as you get older. By withdrawing smaller amounts over several years, taxes can be saved (tax progression).
Yes, you can transfer your money to another pension fund at any time, subject to notice. It is not possible to transfer this amount to private assets to cover the daily needs of life before reaching the normal retirement age. However, the law provides certain exceptions in which the money can be withdrawn earlier. Early withdrawals are possible, among other things, for purchases of owner-occupied residential property, value-added 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.
Yes, in your VIAC app you can see at any time what amount you have already deposited in the current year and how much capacity is still available up to the regulated, annual maximum amount.
If a deposit is received that exceeds your maximum annual deposit amount, the full payment will be returned immediately.
Once credited, your paid-in capital will be invested with the next monthly rebalancing of your portfolio. Rebalancing takes place on the first trading day of each month. Until then, your money is already in your 3a account.
No, 3rd pillar deposits are voluntary. Unlike insurance solutions, you can deposit as often and as much as you like without any financial disadvantages - even if your deposits are interrupted, there are no costs involved.
We recommend monthly standing orders since we always invest your money automatically in your strategy without additional costs and you profit from the average cost effect when investing in securities (more information can be found in the VIAC Academy).
After you have downloaded our app and completed the opening process, you will enter your personal VIAC cockpit. There you click on the function element "Deposit", select "Transfer" and you will see your ready-made transfer order, which you can send to a desired e-mail address. All you need to do is print this order, complete it with the details of the existing pension relationship and the number of the retirement savings account to be closed and send it to the Terzo Pension Foundation.
After you have downloaded our app and completed the opening process, you will enter your personal VIAC cockpit. There you click on the function element "Deposit", select "Deposit" and you will see your personal orange payment slip. Now you can transfer money from any Swiss bank to your 3a relationship. You can make a one-off deposit or create a standing order. We recommend monthly standing orders, because we always invest your money in your strategy without additional costs.
Basically, you can pay in until you reach the AHV age. Currently this is 65 for men and 64 for women. Persons who continue to work after reaching the AHV age may continue to make deposits until they cease employment - but not longer than 5 years after reaching the normal AHV age.
In this case, the same applies to you as for employees, you are currently allowed to deposit a maximum of CHF 6'883.
If you are registered as unemployed with the RAV, you are currently also allowed to deposit a maximum of CHF 6'883.
If you are employed and are affiliated with a pension fund, you are currently allowed to pay a maximum of CHF 6'883 per year. In the case of part-time employment without a pension fund or as a self-employed person without a pension fund, you may pay up to 20% of your income, but not more than CHF 34'416.