I recently bought an apartment and had a descend mortgage with Bank Migros at 0,64 % for 5 years.
A part of my mortgage is linked with my 3a. I now have the option to migrate my old 3a insurance life to the 3a pillar from Bank Migros and invest it in stocks (85%).
The fee for the management is about 0,7% do you think it could be a good idea?
Otherwise I could :
Keep my old 3a who is not really efficient. I’m not losing a lot.
Or there is maybe a better option?
I have to stay with Migros Bank and I can not use Viac for example.
I think for mortgages having a 3a with insurance is worth it… Because beside using it for the indirect mirtgage reimbursement, it protects you from life uncertainties like sickness, accidents and death
Hi Yanikuza,
You can combine both on the same contract savings+disability +death… So u can use tge whole contract for the indirect reimbursement and
deduct the whole contract from the taxes at the same
Yes, I know this… And this kind of financial product is worse than having your money on a saving account with no or little interest.
If you take a bit of your time to check the thread on this forum, you may have a lot of surprise about the efficiency of this “”"""“product”""""" and may not have a lot of friend here
I was expectating that you WON’T advise this kind of product here… And that you misspelled your thought.
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