Your future in your hands.

Nothing could be simpler. You can find the corresponding transfer order in the volt app under Profile > Deposit / Withdraw. Simply print out the transfer order, sign it, and send it to us — we'll take care of the rest.

Good to know: Banks and pension foundations do not normally charge any fees for the transfer of your pension assets.

Up to five volt 3a portfolios can be managed with volt by Vontobel.

Although you save on taxes each year by paying into a volt 3a portfolio, you will have to hand over a portion to the tax authorities again when you withdraw your money—albeit at a lower, privileged rate. The exact amount of this taxation depends on various factors including the amount of your paid-in pension assets. The basic rule is: The higher your pension assets, the higher the taxation. To keep this as low as possible, we recommend that you divide your pension assets equally among several custody accounts. You can then liquidate these over several years. The tax is then assessed individually per year and on the basis of the securities account closed in each case, which means that the overall progression is lower.

How many securities accounts make sense, or over what period of time should you withdraw the funds depends on your personal situation? Contact us for a non-binding consultation.

Normally, retirement benefits may be drawn at the earliest 5 years before regular retirement, the regular AHV age, and may be deferred for up to a maximum of 5 years, i.e. until the age of 69 or 70, if you continue to work.

You can make a partial/full withdrawal without reaching AHV age in the following cases: financing of owner-occupied residential property, repayment of existing mortgages, renovation of owner-occupied residential property, purchase into your own pension fund, taking up self-employment, leaving Switzerland (emigration), divorce, or when drawing a disability pension under certain conditions.

volt investors receive a clear tax report for the previous year every year towards the end of February with the information relevant for the tax return. The tax report is made available electronically in the app under "Documents." The tax report to be submitted is already included in the annual fee.