Investing · Module 6

Your 3a on an
account? A pity.

3a money often sits for decades – giving up return on an account.

↗
A 3a that earns
The difference

Account or securities?

Securities 3a

Higher return potential – ideal with a long horizon.

Account 3a

Barely any interest – growth given up over decades.

HorizonRiskCosts
Why it works

Time smooths the curve

Long horizonlocked until retirement
→
Swingseven out over the years
→
More capitala higher final amount

The longer the horizon, the clearer the advantage of securities.

What to watch

The right solution

Equity sharematched to your age
Costskeep them low
Withdrawallower risk before you draw
Double benefit

Return plus tax

Tax-freeno wealth or income tax
Deductiblethe payment lowers your income
Securitiesextra return potential
Good to know

Is your 3a doing enough?

💡 First step: Account or securities – the right 3a strategy depends on your horizon and risk capacity. It's worth reviewing.
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This video does not replace personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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