[Djoff]

Thank you for your answers.

The only thing that interests me in the 3rd pillar is the "guaranteed" capital in case of a problem in life or death (for my children because in this case I should not need too many pesetas).

I'm only moderately interested in tax breaks because you still have to open your wallet to get the assets. If that's the only advantage, I'd better not invest, because in the end I'd have even more money in my account: everything I wouldn't have invested to get these tax breaks. I don't know if I'm clear with these explanations...
Basically, to get something like 2000CHF tax reduction, you have to give up 6500 (I may be wrong in the amounts). The balance is therefore against 4500 - and for a very low profitability as you say so well.

So, if I put aside the life insurance aspect (if we only look at profitability), wouldn't it be better to invest this money in something that we hope will be more profitable?

[Djoff]

Artist, artist is a big word, but I do my best.

Indeed, I am working on understanding company balance sheets. It's stupid, it's the part of the lessons that I didn't really listen to :-). I'll try to find the lessons again...

The money I want to invest is money that "I don't need" so to speak. So I'm not too afraid of making mistakes, but I would rather avoid too many disappointments. That's kind of why I'm here, so if you have any advice for analyzing balance sheets, I'm all ears.

Looking forward to hearing from you.

[Author]

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