Is it at all worth paying into a third pillar?
Balances in 3a savings accounts barely post any growth because interest rates are practically zero, and therefore there's no compound interest effect. This is unlikely to change in the near future. That's why a cost-effective 3a solution that includes securities is a better option. While they involve more risk over the short term, it's very likely that over the long term they'll generate far higher returns than a 3a savings account.
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