I’m a 35 years old Swiss citizen and since this Christmas, I’ve started to take money seriously after my wife bought me a book about how money work and it really make me understand that I didn’t know anything…
Now, I’m learning more about investing and how to found other source of income.
But before I start to invest, i have a choice to make and I would be happy if anyone can help me…
This is about the 2nd pillar.
I have a 5 years old hole in it. The reason is almost 2 years of unemployment following 2 years of insurance invalidity (AI / IV). The result is a hole around 30’000 CHF.
My question is this :
What should I do about it, how and when ?
I asked around, and the answer I’ve heard is : buying back as late as possible, but that’s a big sum.
Should I :
- Buying near retirement
- Start buying it from now with a little amount for the next 25 years (like 50.- CHF each month)
- Start investing this amount somewhere more profitable with risks.
I don’t know how is the rentability of the 2nd pillar and no one know if there will be enough money in 2045, but your answer will determine a big part of my retirement strategy I think.
Thanks you in advance for your help.