I got the ok from the bank before signing the contract to buy a house (rogito).
I have enough liquidity to cover the rest, but I’m wondering if it makes sense to use one of the third pillars (around 34k) that is sitting doing nothing in postfinance (not invested). If I understood correctly the taxation will be the same now or at the retirement. So I can keep 34k invested (with IB).
Another option would be to use the liquidity (divesting from IB) and move the 34k from Postfinance to Finpension (99% invested).
Unless there are drawbacks I don’t see, the first option gives me more flexibility.
What do you think?