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Old 11.12.2008, 01:33
TheCaptain TheCaptain is offline
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Re: 3rd Pillar Pension Fund

Well, no responses to my posting so I sought "professional" help. Please not that this posting is not meant in any way to advise anyone in their own situation, but is just a record of the advice given to me in my situation. Please seek your own "professional" advice should you need assistance in this area. (Disclaimer disclaimer disclaimer, etc.).

For me, contributing to the 3rd pillar isn't going to offer much benefit. The tax I save here in CH will only be charged to me in the US, therefore I receive no taxation benefit. For my own situation, the policies my company have taken with the pension are structured such that I receive no additional benefits with additional contributions, i.e. my disability and death benefits do not increase should my contributions to the fund increase. Therefore with no tax benefit, and no additional benefits, I chose not to invest in the 3rd pillar as any monies invested would not be available to me at will, but would be heavily restricted and thus given virtually no benefit, the cost of subjecting investments to regulatory restrictions is unjustifiable.

Although this is in no way intended to be advice to anyone, I hope someone finds it helpful.
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