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Old 13.03.2015, 17:59
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SwissLife 3a

Hi all

What is your opinion on 3a third pillar accounts offered by insurances such as SwissLife. Do you consider these as a good alternative to the "classic" 3a accounts of the banks?

Does anyone have experience (good or bad) with such?

Our plan is to amortize our apartment by such a 3a scheme from SwissLife so that we are also insured should something happen.

Thanks in advance
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Old 13.03.2015, 18:13
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Re: SiwssLife 3a

Comparis have an english language site to compare schemes:
https://en.comparis.ch/banken/vorsorge/default.aspx

We chose a bank one with a good interest rate. Most people do not amoratize their mortgage here as there are tax advantages in having a high mortgage.
Insurance issues are very personal -what do you want to risk and what not?
Be careful of Swiss schemes as there are often penalty clauses if you want to get out of them at a later date
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Old 04.04.2015, 22:29
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Re: SiwssLife 3a

Don't do it! Keep you're money and insurance separate. Just does not pay!
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