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My only frustration with the CH system is the difficulty of selecting your own investment vehicles for employee second pillar contributions, and the return on eg a Servisa fund is peanuts (ok so its guaranteed 2.5% tax free but still). Of course normally pension savings should be "safe as houses", but if you are in a position to take more risk due to other portfolio considerations, I would much rather take the risk and reward on the tax free side etc.
Daniel
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There you are quite right you get what you are given so to speak. There are though the advantages that you can use the money to purchase a house which has other benefits that are not available in the UK unless you are self employed. For the high risk stuff you use the 3rd pillar which does give you "exotic" options...