Any suggestions on the best way to invest surplus income:

- third pillar schemes?
- pension schemes
- shares/bonds (including long term vs short term trading)
- funds
- wealth management schemes
- property

Perhaps a mix of them would work, but will depend on your spare income. If you have the money and can commit it for the long term, the Third pillar at least sounds to me like a no-brainer.

Must do: contribute maximum possible to 3rd pillar and pension schemes. Those are:

• tax deductible (but some taxes later on withdrawal)
• tax privileged (capital and interests are tax free)
• relatively safe

To decide on other investments, you should consult a financial planner, who would assess your financial situation, goals, risk appetite, etc.