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| 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. | |
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Definitely advantageous to have more than one 3a account. I have 3 of these. Would save taxes at redemption. Also spreads the risk if the bank suffers insolvency. Go for it!
Note: you cannot split an existing 3a account. You can only open a new account at another Bank.
Transfer of 3a assets from one Bank to another should be a quick and painless transaction.