Hi there, folks,

From what I understand the 2nd pillar pension cannot be inherited, whereas 3rd pillar accounts are as easy as other bank accounts.

I am at a stage, where I am trying to optimize my savings and investments in the best possible way with an investment horizon of 5-10 years. At the same time, I have some years to buy back for 2eme pillar and I am considering if I should:

a) buy back the 2nd pillar years, fully aware these go to the canton and are not transferable/inheritable by spouse
b) screw 2nd pillar and invest all money in 3rd pillar, paying tax for surplus above tax-deductible threshold

Honestly, I am hoping for a "secret option number three" where I can invest my savings, save on taxes and remain flexible/liquid without feeding the canton in case of disaster... but hey, can't have it all in one. Or can I?