So I’m currently in the process of a 4 year plan to fill up my pension fund before retirement.
I have 2 choices:
- Fill up the standard pillar 2 first (which grows maybe 1%-2% each year)
- Fill up the 1e account first which has an equity-like return (invested in UBS funds with no choice on funds)
Assuming I have 3x the ‘capacity’ to place into pillar 2 vs the 1e, which year would you fill out the 1e account? Funds for the contribution will either be earned ‘in year’ or taken from USD bond holdings.
Potential strategies:
- Fill 1e first
- Wait each year and fill 1e or 2 depending on if there is a stock market crash
- Fill pillar 2 first
- Fill each year 1/4, 3/4 in proportion to capacity