Market return: 7%/year (of which 2% are dividends)
Time horizon: 30 years
IBKR TER: 0%
Viac TER: 0.50%
Marginal tax rate: 25%
Withdrawal tax rate: 8%
Yearly max contribution: CHF 7‘000
As dividends are taxed outside of your 3rd pillar, the expected return after costs/taxes will be identical (6.5%). Meaning: 7k/year for 30 years with 6.5% return gets you to 646k.
A) You don‘t use the 3rd pillar and only use IBKR, you‘ll get to 646k.
B) You use the 3rd pillar and save CHF 1‘750 per year in taxes which you can additionally invest in IBKR. Gives you an additional 161k after 30 years. Wihdrawing 646k from the 3rd pillar will cost you 52k in taxes. So you‘re still better off by ~100k.
It‘s a no-brainer for me.
Yes.