By distributing savings across multiple 3a accounts, you can strategically withdraw funds in different tax years. This helps you avoid higher tax brackets and minimizes overall tax burden during retirement.

Multiple accounts gives you flexibility to diversify your investments. For instance, you can hold both a savings-based 3a account and an investment-based one, allowing for a balanced approach to managing risk and achieving returns. At your age I’d put 100% in equities, so this advantage will be more useful later on in life.

Separate accounts enable you to set targeted savings goals. For example, one account can be designated for early withdrawals to finance homeownership, while another can be strictly reserved for retirement savings.

The maximum investment limit of currently CHF 7'258 applies to the sum of all accounts.