True Wealth

True Wealth is a Swiss Robo-advisor that offers a comprehensive investment platform, allowing users to manage their portfolios with high customization and flexibility. The app supports both general investments and third pillar pension plans, known as True Wealth 3a, which are managed under the regulations of the 3a Digital Pension Foundation. Users can invest up to 99% in stocks, with the remaining 1% reserved for cash to cover fees and rebalancing.

The app utilizes a passive investment strategy, focusing on low-cost index funds and ETFs to replicate market performance. This approach helps minimize fees, making it an attractive option for those seeking cost-effective investment solutions. True Wealth also provides features like auto top-up, which automatically allocates funds to the 3a account until the maximum contribution is reached, and then directs excess funds to other investment accounts.

One of the key benefits of True Wealth is its ability to integrate multiple third pillar accounts, allowing users to optimize their retirement savings by spreading contributions across up to five accounts. This feature simplifies the process of managing multiple accounts and can help reduce taxes during withdrawals. Additionally, the app offers a user-friendly interface accessible via web and mobile platforms, supporting multiple languages to cater to a diverse user base.

True Wealth emphasizes security, with encrypted communication and two-factor authentication to protect user accounts. The app is designed to be user-friendly, allowing individuals to easily manage their investments and monitor their portfolios in a holistic manner. Overall, True Wealth provides a robust platform for investors seeking flexibility, customization, and cost-effective investment options.