# 2nd Pillar - choose contribution %

**URL:** https://forum.mustachianpost.com/t/2nd-pillar-choose-contribution/7143
**Category:** Banks, Insurances & Third Pillar
**Created:** [September 29, 2021, 6:20pm UTC](https://forum.mustachianpost.com/t/2nd-pillar-choose-contribution/7143 "2021-09-29T18:20:14Z")
**Posts on this page:** 1
**Showing post:** 10

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### Author: ![Dr.PI](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/dr.pi/32/5299_2.png) [@Dr.PI](https://forum.mustachianpost.com/u/Dr.PI)
#### Post date: [September 30, 2021, 5:32am UTC](https://forum.mustachianpost.com/t/2nd-pillar-choose-contribution/7143/10 "2021-09-30T05:32:59Z")

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Taking out 3rd pillar doesn’t make much sense from my point of view, as it is probably your most efficient investment.

> [@Splitting the world](https://forum.mustachianpost.com/t/splitting-the-world/7001/10):
>
> Relative advantage (difference of total costs p.a.) of investing into different geographic segments via a tax sheltered 3a index fund (finpension/VIAC). With 20% marginal tax rate: [wht10] With 30% marginal tax rate: [wht7] With 40% marginal tax rate: [wht8]

Taking out 2nd pillar makes sense, but again, you should know how much money you want to have left there after you take some. Once you took out some from 2nd pillar, you don’t get tax deductions for paying into 2nd pillar. So if you want to profit from 2nd pillar inpayments, do it now.

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