3rd pillar

18.03.2021

Are indirect amortization really in your best interest?

→ Go to the Do’s and Don’ts of Pillar 3a. Indirect amortization is only of limited interest With an indirect amortization of the mortgage, you can reduce your taxable income. This is because, on the one hand, you pay more interest on the debt and can therefore also deduct it and, on the other hand, …

19.01.2021

3a accounts compared (2021)

A comparison of the interest rates on 3a accounts shows that even the interest on retirement savings accounts can no longer truly be called preferential interest.

24.11.2020

Withdraw pension fund assets for home ownership

If you want to buy property, you need at least 20% of your equity capital. If your free funds are not sufficient, an early withdrawal can be drawn from the pension fund. In doing so, up to 10% of the lending value can be provided from 2nd pillar funds. And even if you have sufficient …

03.11.2020

Transferring money from the 3rd pillar to the pension fund

If you have a pension gap in your pension fund, you can close it with 3a funds. You can transfer 3a assets to the pension fund. This is possible up to the normal retirement age, and even five years beyond that if you can prove that you remain gainfully employed. If the account balance is …

02.10.2020

Fees and Returns of 3a-Funds compared

What to do when the stock markets go crazy? Compare offers and pay attention to the fees.

22.06.2020

3a: Deposit and withdrawal in the same year, is that possible?

Yes, it's possible. In the 3rd pillar there is no blocking period as is known when buying into the pension fund.