# VIAC hidden spreads

**URL:** https://forum.mustachianpost.com/t/viac-hidden-spreads/3057
**Category:** Uncategorized
**Created:** [January 15, 2020, 4:49am UTC](https://forum.mustachianpost.com/t/viac-hidden-spreads/3057 "2020-01-15T04:49:52Z")
**Posts on this page:** 1
**Showing post:** 90

<div class="post-metadata">

### Author: ![pandas](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/p/7ab992/32.png) [@pandas](https://forum.mustachianpost.com/u/pandas)
#### Post date: [January 31, 2020, 3:03pm UTC](https://forum.mustachianpost.com/t/viac-hidden-spreads/3057/90 "2020-01-31T15:03:47Z")

</div>

> [@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.

---

_[View the full topic](https://forum.mustachianpost.com/t/viac-hidden-spreads/3057)._