I am thinking a lot about the strategy to adopt to optimize my savings.
Briefly my situation is the following: I am independent, and the only income from the house and we have 2 children of 5 years and 12 months.
I am currently saving
- 1500chf per month in ETF at DEGIRO
- 2500 francs in 2nd pillar at Allianz
- 1100 francs in 3rd pillar at VIAC
- 1000 francs of reimbursement of a mortgage abroad
What bothers me is the 2,500 francs in the 2nd pillar: this allows a reduction in taxes but the yield of 0.5% puzzles me!
Is there a 2nd pillar solution with more dynamic VIAC-type management or would it not be better for me to cancel this 2nd pillar and increase the savings on the 3rd pillar?
Thank you for your answers