# 3rd pillar investment solution from VIAC **URL:** \ **Category:** Banks, Insurances & Third Pillar\ **Created:** [November 22, 2017, 4:34pm UTC](https://forum.mustachianpost.com/t/3rd-pillar-investment-solution-from-viac/545 "2017-11-22T16:34:38Z")\ **Posts on this page:** 1\ **Showing post:** 289
**Author:** ![MrLeanLife](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/mrleanlife/32/1656_2.png) [@MrLeanLife](https://forum.mustachianpost.com/u/MrLeanLife)\ **Post date:** [March 23, 2019, 12:57pm UTC](https://forum.mustachianpost.com/t/3rd-pillar-investment-solution-from-viac/545/289 "2019-03-23T12:57:27Z")
> [@romzzz](#): > > I am questioning whether to invest in 3a at all. I have not dug into calculations yet, do you have pointers on that subject? Head over to the [thread](https://forum.mustachianpost.com/t/the-pillar-3a-tutorial/46) started by nugget (see snippet below for the conclusion). I personally think it’s well worth to invest in 3a due to the tax reduction aspect (free money). > [@The Pillar 3a Tutorial](https://forum.mustachianpost.com/t/the-pillar-3a-tutorial/46/1): > > ## take home messages > > if you decide to engage into pillar 3a, then > > 1. do it soon / early in your life > 2. get yourself a low-cost 3a depot account > 3. fill it with ETFs of stocks and or bonds or passive funds, according to your needs > 4. deduct it from your taxes > 5. better have more smaller accounts than one big one, e.g. 5 or so > [@romzzz](#): > > I don’t know which makes the most sense for the Swiss 40%: blue chips with SMI or more SPI extra, since I will already be exposed to big caps through VT. Good point. I wouldn’t call you crazy if you would decide to increase the allocation towards the SPI Extra, given the fact that this will become a small proportion of your overall stash over time anyhow. However, keep in mind that there is no way of knowing if small caps will outperform large caps in the future. I personally prefer to follow the market capitalisation ratios for deciding upon the asset allocation percentages in the spirit of [Vanguard’s approach](https://advisors.vanguard.com/web/c1/fas-investmentproducts/3141/overview) for the VT. > [@romzzz](#): > > Same question for the remaining 60%, TER is 0 for All World exCH but it does not include emerging markets. That’s correct. I was turned off by the 0.09% extra product cost. However, if you are willing to take on the extra cost, the allocation would probably be somewhere around 12% Emerging Markets and 88% World. Multiplied with the 60% this would give you: **USD:** 7% Emerging Markets 53% World ex CH --- _[View the full topic](https://forum.mustachianpost.com/t/3rd-pillar-investment-solution-from-viac/545)._