I’m changing employers in March, leaving behind the amazing UBS Pillar 2 for a mediocre plan at a big tech company.
I’m considering entering the “gray area” by transferring the funds to Finpension to get that 99% stock exposure.
Here is the situation and potential risks as I understand them:
- Death & Disability Benefits: According to the benefits documents of my new employer, these are tied to my salary and not my pension pot, so there shouldn’t be any negative effects.
- Buy-in potential: I just have to be mindful never to do a buy-in above my legal maximum, by taking into account the vested benefits account.
- Is there anything else I’m missing or should be careful about before moving to Finpension?
- Assuming I do it, will I have to declare the vested benefits account for wealth tax? I assume no.
P.S: I’m sorry if this is not the correct thread. I think this topic has already been touched in this thread, so I thought it make sense to reuse this one.