Invest money into Pillar 3a or RSU from bank?

Investing / Brokers
1

Hello guys

I have a Pillar 3a in which I invest 250-300 bucks in monthly. I can also buy RSUs from my company and they give me 1 share for every 3 shares purchases.

My income is roughly 60k.

What is more advisable? Take the tax cuts from Pillar 3a, or invest in the RSUs from the company? They are locked for 3 years and if I leave before that, I lose the bonus shares which haven’t vested yet.

2

There’s no general answer to that. A few thoughts:

  • With your relatively low income, the income tax savings from 3a will not be that significant.
  • Do you believe in the company you are working for, to provide better returns than the stock market?
  • Did you consider to invest the money yourself rather than 3a or RSU?
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3

I am working for UBS so I’d guess it could go either way.

My 3a is with finpension 99% stocks.

Due to regulations I can only invest using the UBS platforms which are pricey and i’d rather fill up my 3a or get ubs stock.

4

It sounds like UBS shares are the better option to me - instant 33% return.

What is your marginal tax rate? Remember you do not “save” all the tax, it is a deferral. You will usually have to pay taxes when you withdraw from 3 Pillar, at a special rate (you can look it up on Finpension site)

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