Finpension 3a

[Pit]

I currently have pillar 3a accounts with VIAC (80% shares) and Finpension (60% shares). Based on Baptiste's recommendations, I decided to open another pillar 3a account with Finpension for 2025. I'm 40y, thus my investment horizon is 25y and with that it is impossible to go any higher than 60% shares with Finpension.

My questions:
- Is it actually too risky to invest 80-100% in shares with an investment horizon of 25y, or why do you think it is not possible to go any higher with Finpension?
- Would you recommend to transfer my existing pillar 3a (60% shares, 32K CHF) with Finpension to another pillar 3a provider where I can increase shares? What do you recommend?

Many thanks in advance!

 

[Baptiste Wicht]

- Is it actually too risky to invest 80-100% in shares with an investment horizon of 25y, or why do you think it is not possible to go any higher with Finpension?

I think it's perfectly fine to invest even 100% in that time horizon. Of course, you have to adapt to your own risk capacity. With VIAC and Finpension, it will depend on how your answered their questions.

- Would you recommend to transfer my existing pillar 3a (60% shares, 32K CHF) with Finpension to another pillar 3a provider where I can increase shares? What do you recommend?

No, you can stay with Finpension. You should be able to pick another strategy and t hen you should see a disclaimer telling you you are using a strategy riskier than advised.