Hi all
I’m planning a house purchase (approx. 1.4mio CHF). I want to ask you to cross check what I should consider first for the Eigenkapital. I’m 32M with a kid on the way with my partner.
Here are my funds:
- Cash: 120k
- 3a Insurance: 30k
- 3a Bank: 50k
- Pensionfund: 70k
- Inheritance: 400k
According to the bank I should have around 520k Eigenkapital to fulfill their Tragbarkeits expectations.
The inheritance makes sense as it’s tax deductible for a purchase of a house. So I’d use it completely. But then I’m not sure if I should take my 3a’s, or the Pension or Cash for the remaining part.
I thought the following:
- insurance: sell
- bank: sell
Is this the right order to prioritize different funds and / or what would you recommend different? If you have any articles about it I’d be happy to read online.
Thanks a lot
edit: I’d move the current 3a insurance and bank to Viac / Frankly / Finpension as they are currently not optimally invested.