VIAC hidden spreads

[pandas]

@dbu

Come to think of it (even though still expanding the off-topicity of the conversation ):
If one is not pretty certain that they will stay in CH long enough to withdraw the money at retirement, then it also doesn’t make much sense to maintain 5 different Pillar 3a accounts - as you cannot ramp your withdrawals through 5 years (as you would if you would retire here).
Am I seeing it right?

Correct. Even if you are going to retire in Switzerland and will buy a property here, then it also doesn’t make much sense to bother with multiple accounts - you can withdraw pillar 3 towards property’s purchase and mortgage amortization every 5 years, and banks allow partial withdrawal for this case.