This fee includes administration fees, currency exchange fees, transaction fees, spreads, stamp duty, 3a transfer fees and strategy change fees. Ok, but where is the catch? No catch! With Yuh, what you see is what you get. We have nothing to hide.
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Staying active improves not only your but also your money’s performance. Yuh sends your assets to the gym by investing them in a smart way. You will even benefit from compound interest. There are absolutely no strings attached. You can change your stategy at any moment.
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Your pension assets are invested in securities, which are considered segregated assets. Such assets are protected in the event of bankruptcy because they are not part of the bankruptcy estate. So, if the financial institution goes bankrupt, your assets are fully protected.
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Grab your smartphone, a valid ID and a utility bill, get your WiFi working – and you’ll be all set for the Yuh 3a experience.
The short answer: very safe. The long answer: your money is invested by Yuh in securities and – in contrast to pension savings held on an ordinary bank account – securities are classified as segregated assets. These assets are protected in the event of bankruptcy, and do not form part of the estate in bankruptcy. To cut a long story short, if the financial institution goes bankrupt, your cash is fully protected.
This is also one of the reasons why we invest in bonds rather than holding cash, as much stronger protection is available for securities than for pure cash deposits at a bank.
Did you also know that cash deposits held in conventional pillar 3a accounts (i.e. pure banking solutions without securities) do not qualify as segregated assets and hence do not benefit from this deposit protection? This means that, if the bank were to become bankrupt, pension savings would not be paid out very quickly, but rather – if at all – only after a liquidation process lasting for years. However, under bankruptcy law, any deposits of up to 100’000 CHF are privileged. This means that these claims are paid out in advance of other creditors.
Every new transfer is music to our ears! We’ll help you call a taxi to bring your existing Pillar 3a over to Yuh in the wink of an eye. First of all, be sure to have your Yuh account up and running. Fill in the Yuh 3a transfer form, sign it, send it to your current 3a provider and see the magic happen.
If your registration with Yuh 3a was successful, you can transfer money in your Yuh app under “Add money.” Do you want to transfer money from an external account? In this case, you will find the details in the same place in your Yuh account.
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