Do you mean you benefit for longer (ie Jan-Dec) from a higher interest rare in 3rd pil?

As an aside if you don't pay tax at source you are still better off paying monthly tax contributions to the government as the interest the give is usually higher than banks and you don't pay any tax/interest on late payment.

Also, back to 3 pil., if you are going to be here for a while you need to set up several different third pillar accounts - they can even be in the same bank. This is because you cannot withdraw portions of an account, it is all or nothing. So withdrawing 25k in one year, 25k the next etc, is better than having to withdraw e.g. 100 k in one year vs 25k over 4.

I mention 25k as my mortgage advisor indicated that this was around a tipping mark where the tax bracket increased so you paid more tax on withdrawl. I've not confirmed this separately.