nVidia in Nov '22 was dead obvious.
I still think bitcoin IS another scam.
My only regret is the 3.5kCHF crypto.com credit card which brings me a couple of € cashback and “free” access to airport lounges.
Actually the most expensive lounge accesses in history
My biggest investment regret is paying into pillar 2
Hello KK1, can you elaborate please? Thanks
Mine – apart from not having started investing at the tender Warren Buffett age of, say, 11 – is not having paid more into pillar 2 when I still could.
I’m guessing – as probably almost always? – different personal circumstances than mine where
- paying into pillar 2 lowered my income tax significantly* and paying in more and/or more years would have lowered those income taxes even more** significantly
- having all that pillar 2 money now in (two) Freizügigkeitsstiftungen which are tax sheltered and where I can determine how it’s invested (within the limits of the instruments available at VIAC and Finpension)
- I can bear the risk of drawdowns in the Freizügigkeitsstiftungen – which did and do happen – given my net worth in pillar 3b (aka Freie Vorsorge) versus having zero drawdowns and a guaranteed (ok, not eye-popping, but still: guaranteed no drawdowns) return in pillar 2 at a Pensionskasse
- I’ll probably be able to withdraw that money in the Freizügigkeitsstiftungen at attractive capital withdrawal tax rates and in two tranches (two separate tax years), further lowering the taxes on that money that would otherwise have been taxed at a very high income tax rate
- maybe I’m not Warren Buffett after all:*** maybe I’ll make a higher return on non-tax-sheltered money saved/invested (or, well, really only on ‘the-money-not-paid-into-pillar-2 minus income tax’), taking into account the points above and that all non-capital gain returns in my pillar 3b are also going to be taxed as income …
… maybe not.
YMMV, of course.
* Low single figure hundreds of k's.
** High single figure hundreds of k’s, probably approaching 7 figures.
*** I know, hard to fathom, but it’s a possibility that I have to consider.
Is it possible to move that money to a non-3a portfolio on finpension/VIAC so you don’t miss out on (positive) market days?
Perhaps start using 1,2,3 … for footnotes
Otherwise we will be lost in the stars (no pun intended)
Not sure I fully understand the question?
I guess you can withdraw and allocate – after taxes – wherever you want to, whether 3a (if you’re still eligible), your brokerage account, finpension/VIAC (non-tax-sheltered) investment accounts, your bank’s cash account … sorry if I missed the obvious question behind the question you asked?

Perhaps start using 1,2,3 … for footnotes
Otherwise we will be lost in the stars (no pun intended)
If I knew how to uppercase 1, 2, 3 … I would1 always2 do so.3
1 - Damn - a simple Google search led me to doing this!
2 - Okay, no promise, but I’ll try.
3 - Thanks for your suggestion!
I didn’t even know how to reduce font size
I am jealous
Will check on Perplexity (to keep the market share in check ;))
What I’m asking is if it’s possible to have a seamless selling of pension funds and buying of regular funds within the same day, instead of waiting multiple days between selling funds, terminating the pillar 2 account, transferring the money to another institution and re-buying there.

I didn’t even know how to reduce font size
I am jealous
Don’t be.
I’ve described using smaller fonts in a previous recent post: Any Stockpickers out there? - #685 by Your_Full_Name
For the superposition of text, just add <sup>the superpositioned text</sup> and the rendered text will appear as the superpositioned text. If you manually type this in the editor text box, your typing of ‘<sup>’ will disappear into nothingness displayed on the right pane, so you’ll have to so-called escape ("save*) some characters from being interpreted, and to have ‘<sup>’ being interpreted correctly, you’ll type “backslash” (‘\’), “less than” (‘<’), the string “sup” >.
Good luck?
Edit: Corrected the escape character stuff, it’s not necessary.
Oh, I see. Seamless is probably not possible. YMMV, of course.
I don’t know at all the mechanics of this, so probably best to ask your “selling funds” provider(s) on the mechanics (trade dates, value dates, transfer settlement dates) if you want to play it as close as you seemingly want to (as well as perhaps the receiving end on when they settle, their reinvest day, etc).
Everyone wants to make a little money between when you disband from a large amount of money from entity A to invest it at entity B, with profitable (not to you) established proceses over centuries, so please be patient while they’ll take a cut in the … ahem … process.
In my experience (and without any inquiry), it can be multiple weeks between each of these dates mentioned above.
If you do it at same provider , yes it could be. I remember Finpension saying that but I don’t know if it’s literally on same day or not.
Otherwise it’s not possible because all such accounts only allow cash transfers out