Pillar 3a question

S

sevsevsev

New member
Hello guys

Im 26 years old and married and finally in a financial state where i can max out my wifes and my 3a pillar. I settled with viac and am happy with the performance. I started a new job last year and a worker benefit is a discount on our own 3a solution. the performance is good, trusted brand etc. we get 15% discount on the maximum amount. the only catch is that since we are an insurance, i cant have a fully invested split. i have to leave 10% in "security" or whatever. is the calculation if its worth it (the 10% that is not invested) that simple: i get 15% off on 7258 which means i could reinvest all of that money monthly into an etf im already building anyway (VT) and cover for the 10% missing in my 3a like that? and still profit off the compound interest effect?

Thanks for any advice :)
 
Hi

I would personally not take this offer. 15% of 7258 is definitely nice, of course. But for me, it's not enough to lock you into a life insurance product for the next 40 years. Even if you leave this company, you will likely still be under contract and you will also likely not have the discount.

Insurance companies always say the performance is good when selling these contracts. But once it's time to withdrawing, the performance is nowhere to be seen.
 
as far as i know the life insurance product part is optional. the 10% part in security isnt for life insurance, it actually is for money that sits on a low interest account like 1.5% and cant be invested (i think because of regulations since we arent a bank and arent allowed to offer "pure investment" products? idk) i will have a talk with the internal consultant soon.

by good performance i mean that the historical performance (atleast for the year of 2024 that i can compare with my viac global 100 performance) was actually a tiny bit better than my viac performance (9%+).

very valid point with the locking me in for a longer time and also thoughts about the future if i would change jobs. i will keep it in mind :)
 
sevsevsev said:
as far as i know the life insurance product part is optional. the 10% part in security isnt for life insurance, it actually is for money that sits on a low interest account like 1.5% and cant be invested (i think because of regulations since we arent a bank and arent allowed to offer "pure investment" products? idk) i will have a talk with the internal consultant soon.
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In that case, it's not so bad. You just want to make sure this is really the case and that they are not locking you in.
 
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