On the 23. February wrote me a reader the following: “Recently I had a conversation with the Bank. She recommended me, a part of the money in the pension account-Save to reallocate 3 in the special pension Fund. How do you rate this product?”
The consultation had taken place at a time when Corona for a beer brand. The shares were about 30 percent more expensive than it is today.
banks are not charitable, on-the-go. They want – and their advisers need to earn money. You do this by making customers, which are securities not familiar with, for example, pension funds, tasty.
pension Fund hot you, because they are used in the framework of the tax-advantaged savings 3a. Such 3a-funds are subject to stricter requirements than traditional investment funds. Depending on your appetite for risk to choose a higher or lower percentage of equities.
I answered the woman on the same day that I focus on your question in the “Gopfried Stutz” as soon as I get around to it. In advance only the following: “Maybe you will achieve with a pension Fund, a higher rate of return than if you leave the money in the account 3a. Maybe, but maybe not. I myself am skeptical, as always. This is not to say, however, that I’m also right. Anyway, no need to rush into anything there is from my point of view.”
at Least as far as the Rush, I speak to resist no one.
And today? Today, I would write the Same column. But one thing is as sure as one and one are two. The today purchased pension funds will achieve a higher rate of return than those in front of the 23. February purchased.
something else you need to know: The reader and her husband are retired in eight years. The longer the maturity, the greater the probability of a positive return. The Retirement in two or three years, do not recommend the purchase of such Fund shares. With the money in the account 3a one should not speculate.
the pension Fund can be useful, if the Retirement is in the distant future. In the case of equity investments, one speaks of ten years. You take such recommendations seriously, you should sell the Fund a few years before the AHV-age. Otherwise you run the risk of the Fund’s shares sell at a loss, if there is a crash just before Retirement in the stock market. This is especially true if the courses in sailing at a record high, as it was just before the outbreak of the Corona-crisis.
I hear again and again from my environment, like you, was encouraged by his Bank to invest the 3a-money in pension funds. But I have never heard that a Banker would have a customer with 60 or more years to sell its 3a Fund.
