Third Pillar Comparator

How does this work?

This calculator assumes that you are contributing once a month to your third pillar. The world allocation defines how much of your portfolio is invested internationally. This can make a difference to the fees you are going to pay.

The total fees include everything that can differentiate the third pillars:

1. Management fees. These fees are applied to your portfolio value and paid every year.
2. The TER of the products. These fees are also applied to your portfolio and due yearly.
3. Foreign currency exchange fees (if not included in the management fees). These fees are only incurred on an investment.
4. Stamp duty (if not included in the management fees). This tax is only due on investments.
5. The US taxes on dividends if the third pillar is not tax-efficient for US dividends. These fees are due on the international allocation of the portfolio, due every year.

The total fees are computed for the entire period until retirement.

What about life insurance 3a?

This calculator only compares invested 3a and does not compare life insurance 3a. The reason is simple: you should not get a life insurance 3a. And if you already have a life insurance 3a, you should look for a non-life-insurance alternative and this calculator will show the best options available.

Is something missing?

If you would like another third pillar included in this calculator, please let me know in the comments below. And if you want to be able to do more configuration, also let me know and I will consider extra features.

Any other comparator?

If you would like to compare other things, I have plenty of comparators: Comparatators about banks, brokers and more.