Pillar 2 top-ups - deadline etc
Can anyone suggest problems with this theory / plan, from a tax and practicality viewpoint.
* Pillar 2 returns suck
* ... but Pillar 2 (top-ups) get a nice tax benefit
* I want to invest in "Pillar 3b" funds of my choice, but get the tax benefit
* I invest in my choices now
* In the years before retirement, I cash in those funds and put them into the Pillar 2, thus saving the tax
I'm not interested in the risk / investment strategy side of things, that's a separate topic. I also know that doing it this way means the tax gain doesn't get the benefit of growth, but since the growth sucks that's not much of a worry.
Thanks in advance for any feedback.
Edit: one obvious issue - if I get good growth I may not have enough income to write off against the transfers into P2, but honestly if I have that problem I would (a) be happy (b) just start earlier
Last edited by newtoswitz; 17.11.2015 at 13:35.