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  #61  
Old 04.09.2020, 23:39
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Re: Best 3rd pillar account investment possibilities

A little off topic:

As one can withdraw second pillar cash to pay off the mortgage what's to stop someone from doing exactly that and then remortgaging to a higher amount to effectively just make a withdrawal from the second pillar at will (provided you are a home owner).

Im absoluten determined to find a scheme like this to avoid the house of horrors that is pillar 2 lol.
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  #62  
Old 19.10.2020, 13:41
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Re: Best 3rd pillar account investment possibilities

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I went for maximizing the NASDAQ (35%) and then the SP500 (25%) ishares trackers. Sure the fee is very slightly more, but the return will have been higher than glinaa's strategy, and it will be more years than not. There's a lot of junk in the World ex CH, and a lot less junk in the NASDAQ and SP500. I think index huggers focus too much on price of investing and too little on what they are buying personally.

Historical SP500 and NASDAQ performance is similar so you could consider reversing those percentages (or just going 30-30). I thought with Covid, the NASDAQ would be a better option and it has proved so. I'd be tempted to swap them for next years investment.

For the Swiss stuff, I haven't a clue what is best, but went for 20% SMI then 17% SPI Extra. You could maybe think about reversing that too, but really both will be pretty bad.
My portfolios so far have been successful with 35% CSIF SPI Extra / 35% CSIF US / 10% EM.
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  #63  
Old 19.10.2020, 13:49
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Re: Best 3rd pillar account investment possibilities

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A little off topic:

As one can withdraw second pillar cash to pay off the mortgage what's to stop someone from doing exactly that and then remortgaging to a higher amount to effectively just make a withdrawal from the second pillar at will (provided you are a home owner).

Im absoluten determined to find a scheme like this to avoid the house of horrors that is pillar 2 lol.
Nothing as far as I am aware.

But remember you have to pay the money back before you retire, which would be unfortunate if you have to sell your house to do it!

Unless there's a way around that?
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Old 19.10.2020, 14:44
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Re: Best 3rd pillar account investment possibilities

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Nothing as far as I am aware.

But remember you have to pay the money back before you retire, which would be unfortunate if you have to sell your house to do it!

Unless there's a way around that?
I think I will probably retire abroad before 65 - I think that would solve it right?
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  #65  
Old 19.10.2020, 14:46
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Re: Best 3rd pillar account investment possibilities

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I think I will probably retire abroad before 65 - I think that would solve it right?
I don't know - it's on my list of things to worry about in ten years or so
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  #66  
Old 23.05.2021, 14:01
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Re: Best 3rd pillar account investment possibilities

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Hello again,

I see many people in this forum praise the fact that they save taxes when they save money to the 3a pillar, lets say through a normal bank account (no insurance). But I really don't get the point:

When you open the 3a account in your 60-65, you have to pay lump sum tax (ok, its not too high), but then don't you have to pay tax on this amount in the traditional way? Lets say, if you have earned 60k in that year and you also open a 50k 3a pillar you will be taxed for 110K, right? Or am I missing something here? Where is the tax saving?
Here, you can save wealth tax on your pillar 3a assets and the Capital withdrawal tax is lower than the income taxt.
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