- \n
- If someone starts at the age of 35<\/strong> and pays a total of CHF 30,000 per year into pillars 3a and 3b, they will have saved a sum of CHF 900,000 by the age of 65.
\nBy comparison, with an investment and an average interest rate of 7% per year, their assets<\/strong> could amount to CHF 3,050,000 in retirement<\/strong>, which is more than three times as much \u2013 a huge difference!<\/p>\n
\n<\/li>\n- However, if you only start at the age of 50<\/strong>, you will miss out on the full effect of compound interest. With an annual payment of CHF 30,000, you will have accumulated assets of CHF 792,000<\/strong> by the time you retire, with an annual return of 7%. This is not even a doubling of the total paid-in capital of CHF 450,000. <\/li>\n<\/ul>\n
Why pillars 3a and 3b are the key to financial security<\/h2>\n
At the end of the discussion, it became clear how important it is to consider private pension provision at an early stage. Pillar 3a and 3b options play a crucial role in closing the income gap in old age and maintaining the standard of living.
<\/x>It is particularly important for high earners to develop a solid plan, as many need the majority of their final income in retirement in order to maintain the lifestyle they are accustomed to. In collaboration with Point Capital's professional asset management<\/g> team, individual and flexible pension solutions can be designed to ensure long-term financial security. <\/x>The compound interest effect should not be underestimated; the earlier you start saving for retirement, the more you can benefit from this advantage. A well-thought-out pension plan makes a considerable difference in retirement.
\nThere's another way of putting it: 'If you save for your retirement, you won't be sitting on the sun terrace when you retire, but rather in the shade.'
\nSo it's better to rely on timely planning and professional support from Point Capital<\/a> to find the best investment strategies and pension models. By being proactive and informed, you can set the course for a carefree financial future. Ultimately, private pension provision is not only a necessity, but also an important opportunity to actively shape your retirement according to your own ideas. <\/p>\nYours, Mark Stock\u00a9<\/strong><\/em>[\/vc_column_text][\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text]Mark Stock is a member of the Point Capital editorial team. 'I am a stock market enthusiast and am passionate about economic history. I have been following the ups and downs of the markets for years and, of course, invest myself \u2013 preferably in shares. So my name says it all. Every month, I take up what I consider to be an exciting topic. And since the focus is on the content and not on me personally, I write under a pseudonym.' <\/em>[\/vc_column_text][\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' bg_color='rgba(63,75,111,0.2)' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' overflow='visible' class='border-box' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none' shape_type=''][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid']
- However, if you only start at the age of 50<\/strong>, you will miss out on the full effect of compound interest. With an annual payment of CHF 30,000, you will have accumulated assets of CHF 792,000<\/strong> by the time you retire, with an annual return of 7%. This is not even a doubling of the total paid-in capital of CHF 450,000. <\/li>\n<\/ul>\n
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