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Old 23.10.2020, 19:22
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ztm ztm is offline
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Re: Pillar 3a - Funds and shares supermarket

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There was an article about pension funds in yesterday Sonntag Zeitung. It suggests that Pillar 3 is crap unless we are within 10 years of retirement. We should invest in the markets instead.

After reading it, I also felt that the super conservative pension regulations in Switzerland exists just so that banks and other providers of investment funds as alternative to the 3a can thrive.
Can you link that article? From what I know (and also what I read), pillar 3a can be effective both if you're close and far away from retirement:
  • Close to retirement: you benefit mostly from income tax deductions (in essence you make a return equal to your marginal tax rate, which you save)
  • Far from retirement: you benefit mostly from tax exemption on dividends
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