Even though retirement planning may not interest you as much when you’re young, it’s important to start thinking about it as early as possible.
The pillar 3a is relevant to you right from the age of 18 when you start earning your first salary, and you should start to set aside a small portion for your pension from then onwards. After all, time is your friend – even small contributions have a big impact over long periods of time, especially with securities savings. The pension assets could also become useful to you sooner than you think, for example if you want to start your own business or dream of owning your own home. By the way, you also save on taxes right from the start!
The example of Jonas and Leon shows the effect you can achieve with a longer savings horizon alone.
*Assumptions: equity component 45%, hypothetical return per year 3.24% (net after costs). The future returns and risks presented here are for illustrative purposes only. Securities savings may fluctuate, the hypothetical return cannot be guaranteed, and tax effects are not included in this forecast.
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