The Pillar 3a Tutorial

[nugget]

@Bojack

what is the tax you pay when you pay out 3a before you reach retirement age?

here you find some answers:

@nugget

here extensive tables & graphs about the Kapitalbezugssteuer can be found that will apply when recieving the 3a stash. big thanks to MrRIP

if you look up the tables, you will find 5% was a very rough guess for >200k for a single in zurich

@nugget

Taxes only apply later when you recieve the 3a stash […]. the exact amout depends of your residence community, confession, marial status, # of children and most importantly the amount. you can calculate it with the Credit Suisse calculator .

@Bojack

And second question: How do you invest in this VIAC? You open a separate account there and […] bank transfer?

yes

@Bojack

How reliable is this company? If they go bust, is there any risk?

nobody knows. start diggin! post results here

@Bojack

Is thi VIAC the best there is for 3a?

according to my valuation, their offer is closest to the low cost index fund investment popular among mustachians. VZ had a similar offer before, but with max. 80% stocks, lots of currency hedging, and a bit more expensive in fees. after that come the swisscanto passive funds. MP made a blogpost about it.
everything after that (UBS/CS funds, life insurances, cash depots) are somewhere between worthless, ripoff and scam. see this as bad example