I am new to the community but I am very happy to have found it because I find it very interesting and it will surely help me to fill my huge gaps in personal finance.
I am an architect and I work as an employee with permit B. I have arrived in Switzerland less than a year ago and would like some advice on the third pillar:
is it worth investing in a third pillar (Viac or Finpension) even if my annual income is currently low (less than 50,000 gross) or it is better to wait a bit for the third pillar and now invest personally (always in the long term, for retirement) for example with Degiro with an accumulation plan in an ETF portfolio?
Or maybe it’s better to do both? I have a starting capital of CHF 20,000 to invest and currently i can save around CHF 400 per month.
many thanks in advance