Just to get the discussion back on topic: I believe @locenad is not raising the topic of what to invest in 3a or taxable. The topic is pension funds vs. ETFs within 3a (and/or VB) accounts: What’s better?
locenad, feel free to correct me if I’m wrong 
I find this Finpension article rather useless: “3a is for income investing, not for capital gains, therefore WHT matters most, therefore use pension funds only” is misleading, frankly, especially for guys investing primarily in equity. And no mentioning of TER vs. WHT vs. tracking error etc.
It would be way more useful if 3a providers could provide actual, detailed cost & performance comparisons of pension funds vs. ETFs instead of biased simplifications