I’m the happy reader of MP’s new book and very willing to make changes in my life. Here is the situation: we contracted end 2020 a 3A pillar life insurance with AXA… (no comment, we didn’t know).
Obviously since beginning of the year, my husband and I give 290CHF per month each that goes to that 3A pillar (we wanted at first to have half of our pillars in life insurance). We would like to have you advice if we should both directly close these 2 pillars and move on with VIAC or something alike and just call it quit on the fact that we might just get back ~200CHF each for what we gave them, or if we should close them in a few year (obviously what the guy selling it to us, told us to do).
For the rest, we were planning on moving our pillars which are on different banks, and thus doing nothing, to VIAC & Co ? WDYT? We have about 40K the 2 of us in different accounts and wondered how it worked in terms of fiscality if we move everything this year? Also, what we gave to AXA won’t be taken into account I am guessing at the end of the year for the taxes?
Sorry for so many questions, and most of all, thanks for the help!
FYI: we’re based in Lausanne, Vaud.