Hello,

I currently have a 3a account and I was advised to open a second one to split the withdrawal when 60-65+. I was told that way I could withdraw the 2 accounts on different years and then pay less tax that way.

Is it really a good idea, do you get some drawback not having all your found in the same account ?

I am currently in UBS (2%) and consider opening the new one in Post-Finance (2.25%). If it is only allowed to have the money in one account, can I move to Post-Finance ? How long would that take (immediate or pre-anoncement needed) ?

Thanks in advance.