3a as a ANobAG or not?

[Dr.PI]

@crypto-panda

I just thought it wouldn’t matter for how long I held it because I saw a lot of posts of people using 2nd and 3rd pillar for the purchase of a property.

This is after contributing for decades. For example in case of 2nd pillar the usual practice is: you can’t withdraw what was contributed less than 3 years ago and if you withdraw less than 3 years after making a voluntary contribution, the tax deductions from previous years are reversed. Considering that the 3rd pillar is of similar nature, more or less the same rules can apply.

We just have another discussion about it:

Pillar 3a: More than 5 accounts

Hi According to a lot of information on the Internet, at least five 3a accounts should be held so that the withdrawal can be staggered for tax purposes. FinanzFabio even talks about six accounts (and says that others can’t count). But what I’m wondering about the whole topic is this: The recommendation to set up five accounts is based on current legislation. But I’m still young. Nobody knows what it will look like in 20 years’ time. Maybe it will be possible to withdraw your 3a earlier?…

But this is not your case, because in case of people living in Switzerland long time you can argue that you withdraw money that were deposited long time ago while contributing new money in the same year.