Hello!

Comparis.ch shows several banks with 3a account interest rates of 2% or higher. I never had any experience with these banks. Is there any reason not to go with any of these banks rather than the big names (with low interest rates)? How easy is it to transfer the account to another bank if they lower the interest rate, and are there usually any fees to do so? Thanks for any info!

i recommend postfinance.

1.75% at Postfinance vs maximum 2.25% on comparis. What makes Postfinance better? (other than probably easier account opening)

Credit Suisse, I shall PM you the account details though

You can use postfinance 3A to invest in two funds (25 and 45) and that way you can earn more than 2.25% definitely..

Personally, I prefer the funds that UBS and CS offer. If the investment is for more then 10 years then I feel at least 50% should go into stocks. I have 3 accounts myself so I wont get taxed on everything at once when withdrawal day comes.

But does that mean you need to take out everything in lumpsum when the day comes or you can decide to take out partially every year?

As I understand it, if its all in one account, Yes!

You may want to go here for advice:
http://www.vermoegenszentrum.ch/Indi...ement-planning

The VZ also has a listing here:
http://www.vermoegenszentrum.ch/Priv...schriftendepot

Also KGeld has a listing here:
http://www.kgeld.ch/themen/beitrag/1....%20S%C3%A4ule

This might be interesting!
http://www.vermoegenszentrum.ch/Publ...1012d#Absatz_1