And your 2nd pillar is currently with 2 foundations at your current employer?
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Thatâs right. It is with 2. So then each can be futher split into 2 once I stop working.
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Bumping this topic, and maybe bumping OP in case he went for a provider that isnât Viac or Finpension.
No employer, so for a while now Iâve had my main Pension Fund assets invested at Viac and Finpension, but left some of my Pension Fund on a Freizugigkeitskonto at a Kantonalbank. This was to not lumpsum all my PF into stocks all at once. Intent was to wait a bit to simulate a bit of DCA.
Interest is a lowish 0.6% (which I expect them to drop soonish/latest when SNB next drops rates).
Sneakily theyâve introduced a new Fr 3 account fee per month**, which while not critical, spurred me to finally buy into stocks with this too.
Investment horizon >10y.
My question is:
Any up-to-date and positive experience with Freizugigkeitsdepot from Tellco or Frankly?
Any other (new) providers out there, allowing high stocks, charging low fees etc.?
Do I understand correctly, that Frankly has no Custom Strategy in FZ?
So maximum for FZ is Strong 75 Index CH0353690909
A fund of funds, also contains RE and gold, partly with hedging, all points which I usually try to avoid.
All in fee 0.44%, but they also say something âwe may charge you Ausgabe and RĂŒcknahmespesenâŠâ
Iâd love to try out Tellco, but want to avoid the next Flowbank at the same time 
** I only found out about it while checking the current interest rate, that they introduced this fee in June. Is this even ok, with no personal letter or info? I guess they will say in the AGB we are allowed to change conditions and client must check monthly for changes if he wants to be up-to-date.
You can create a second account with finpension.
Why are you trying to avoid finpension and viac ?
I suggest you Google them beforehand. I know a guy who had some issues with them and especially their customer support (though I suspect he was at fault, not the smartest man to roam the earth), and they have been negatively in media because of their strategy and structure (but others do the same, so also not sure how valid that critique is). I myself definitely prefer VIAC and Finpension.
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My FZ is in 4 pots. Iâve âunfortunatelyâ already maxed out my Finpens (2 pots in the 2 Stiftungen) and Viac (1 pot). 
If I add the 4th pot (currently in a cash account at a KB) to Finpens or Viac it will get merged with an existing pot, never to be split again.
May not be a bad thing, just trying to keep the 4 pots for now, for flexibility.
First world luxury problems, I know 
What is the strategic goal of having so many VZ accounts? Any specific advantage you are looking at ?
What does this mean?
You have 4 accounts with Finpension, or something else?
If so, why would you even want to have more than 5? (No added benefit)
You know that with the new regulations youâre forced to withdraw all retirement accounts (2nd and 3rd pillar) between 60-65? Only if you keep working above the official retirement age youâll be able to withdraw those accounts at 65-70. Which you wonât do probably as weâre in a FIRE forum 
But yes, you could optimize those 6 years between 60-65 by having more 2nd/3rd pillar accounts and aim for identical sums each year. If a staggered withdrawal and lower taxes is still even a thing in 30 years.
Flexibility at withdrawal, essentially.
Spread the withdrawals over a few years, for tax reasons. Also who knows what the possibilities will be in 10-15 years. As Merging now canât be undone, Iâd like to avoid.
No, I have 1 account/depot at Finpension Stiftung 1 + 1 account/depot at Finpension Stiftung 2 + 1 account/depot at Viac + 1 cash account at a Kantonalbank = 4 in total
The cash account I want to invest, but preferably not Viac or Finpension, else itâll be merged with the existing account.
Yes, exactly, optimise over 6 years, with the 4 FZ accounts and a few 3a accounts, it is easier to dose the amounts per year, i.e. probably withdrawing 6 approximately identical sums (or whatever split is optimal).
PS of course you are right, regulations will probably change with time, but alas, my time till 65 is not 30 years any more (I wish though )
Pillar 3a can be taken out over 6 years (60-65, unless you are unlucky to be born on Jan 1, then it is just 5 I guess) irrespective of whether you are working at that time or not. But if you are still working in that age (I know you donât plan to, but in case), I donât think you can take out the money stashed away in VB accounts over the years right?
Another question: what if you retired at 65 and still have VB account â VB is automatically a lump sum withdrawal (unless you move it to Pillar to months/years before reaching 65)
You can also optimize splitting even further by using some pots to pay off mortgage (if you have any) or any of the other exceptions for using the pots early.
Not sure what is your definition of âmergedâ - because I (and many others) have multiple accounts at Finpension or Viac, and they can all be handled separately for strategies as well as withdrawals (i.e. definitely not merged).
Edit: I am in a completely wrong topic, my bad. 
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He is referring to VB accounts, not 3A accounts.
Afaik you cannot have multiple VB accounts with the same provider (e.g. with Finpension you are limited to 2)
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Article explains the process. It seems VZ account is not the same as regular pension account from withdrawal perspective
Normally all VZs are lumped together into one pension because most pension funds would force you to bring all your money into their fund (unless you forget or lie). But if due to whatever reason, you end up with VZ accounts, you can stagger as per article from finpension
Thanks, yes, but no RE, nor planned RE.
Possible may be a withdrawal with maybe optimised capital withdrawal tax at some point by emigration.
Merging now, to split later by one of those exceptions just seems âcomplicatedâ.
As the title of this thread says Iâm just looking for one "Good alternative(s) to VIAC and Finpension for pillar 2a vested account?"
Iâve come to the conclusion that today (August 2024) there simply isnât one. But the great vested benefits solutions offered by Viac & Finpension are less than 5 years old, so maybe thereâll be a new good provider in the not too distant future. (Truewealth for example)