Multiple 3a accounts balancing

[awaelchli]

Hi

In the blog post here about staggered withdrawals, the recommendation is to balance out five accounts. How do you achieve that in practice? I see two approaches:

a) Split the maximum annual amount (e.g., 7'258 CHF for 2026) into five parts, and make five payments per year, one per account
b) Round-robin: pay the full amount into account 1, then the next year the full amount into account 2, the year after that into account 3 etc.

Which system do you use?

Thank you

 

[Baptiste Wicht]

Hi,

There are indeed multiple approaches. I even know people who do 5 deposits per month.

I am lazy, so I do round robin in January. I usually target the account with the least amount of money.

 

[awaelchli]

Thank you for sharing Baptiste. Indeed, doing one per year is much less work than 5. It seems that there is no major advantage or disadvantage picking one strategy or the other.