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Old 24.09.2017, 21:13
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2nd pension pillar and 3rd pension pillar comparison

Which pillar: 2nd or 3rd have higher yearly yield on average? I guess it depends on the pension fund/bank that you put your money in, but are there significant differences?
From tax deduction perspective, I suppose, both pillars give the same benefits?
I guess the same applies to transferring funds to buy property, founding own company or withdrawing money when leaving the country, correct?
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Old 24.09.2017, 22:22
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Re: 2nd pension pillar and 3rd pension pillar comparison

Both ain't got no yield no more, yields were long killed by central banks. 0.2-0.5% so called yield is a spit in your face. Let's be frank, a one time tax saving is the only thing you're getting out of it. And even that is not certain - what if your new country after emigration just taxes away your whole payout? It can happen.

Out of the two, pillar 3a is better, fill it first if you must - less strings attached and many banks allow you to freely buy/sell their stock funds with it. Pretty expensive funds, as you might guess, there's little competition and strong bank lobby
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