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Old 07.03.2021, 13:39
energyale energyale is offline
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2nd Pillar: Pledge vs. Early Withdrawal for Mortgage

To the EF experts who have done this, what is the most optimal solution for utilisation of 2nd Pillar assets if you plan to live and stay in Switzerland? TIA.

1. What are the pros and cons of Early Withdrawal of the 2nd Pillar?


2. What are the pros and cons of Pledging the 2nd Pillar? If you pledge your 2nd pillar, what exactly are the tax benefits which are not available for the early withdrawal option? Also, did anyone get a reduction on your interest rate when taking out a mortgage because you have deposited an additional security?