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If you are young, there is a chance your savings contributions might just turn into a small fortune thanks to the long investment horizon. However, you also face the uncertainty of not knowing what benefits the state and occupational pensions will offer once you reach retirement age.
For this reason, you should strive to build up your savings regularly and consistently over the long term. Pillar 3a investments with a relatively large equity component are suitable for this purpose. In the past – despite intermittent slumps in the stock markets – such investments have consistently outperformed other forms of investment in terms of returns. Pillar 3a accounts also allow you to suspend payments if you plan to travel abroad for a long period of time. You can also benefit from tax incentives and deduct the payments from your taxable income to reduce your tax burden.
On the subject of making plans: you can also use pillar 3a savings if you later wish to buy an apartment or house, or start your own business.
The subject of pensions is complex. There is often not enough time to research everything in detail. If you wish, you can seek advice from our partner service Optimatis. Our experts have the information that you may spend a long time searching for. Benefit from their expertise by arranging a no-obligation consultation.
The independent partner service Optimatis and its qualified staff will work with you to establish a clear overview and produce a snapshot of your current situation. Optimatis can offer you the solution that best fits your needs from the wide range available on the market – a good reason to seek advice from an independent expert.
You just need to request an appointment and a specialist advisor will be in touch with you. During the meeting, you can decide how and whether you wish to proceed with the solutions proposed.
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