{"id":8660,"date":"2023-12-10T10:56:00","date_gmt":"2023-12-10T09:56:00","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/pillar-3a-tips-and-tricks-avoid-these-10-mistakes\/"},"modified":"2025-03-16T14:40:57","modified_gmt":"2025-03-16T13:40:57","slug":"pillar-3a-tips-and-tricks-avoid-these-10-mistakes","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-tips-and-tricks-avoid-these-10-mistakes\/","title":{"rendered":"Pillar 3a tips and tricks: avoid these 10 mistakes"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Lesedauer<\/span> <span class=\"rt-time\"> 8<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-46d21a9\" data-block-id=\"46d21a9\"><p class=\"stk-block-text__text\">What are the best tips and tricks for your pillar 3a<span style=\"font-weight: 400\">?<\/span> After all, you&#8217;re putting a lot of money into it. But many people make unnecessary mistakes and give away a lot of money. We&#8217;ll show you the 10 mistakes you can easily avoid in pillar 3a. Because we think you can easily learn from other people&#8217;s mistakes.   <\/p><\/div>\n\n<!--more-->\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-3ddfa1c stk-block-background\" data-block-id=\"3ddfa1c\"><p class=\"stk-table-of-contents__title\">You should avoid these pillar 3a mistakes:<\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#fehler-1-zu-spat-anfangen\">Mistake #1: Starting too late  <\/a><\/li><li><a href=\"#fehler-2-maximalbetrag-nicht-ausschopfen\">Error #2: Do not use the maximum amount&nbsp;<\/a><\/li><li><a href=\"#fehler-3-erst-am-jahresende-einzahlen\">Mistake #3: Don&#8217;t pay in until the end of the year<\/a><\/li><li><a href=\"#fehler-4-sparen-und-versichern-nicht-trennen\">Mistake #4: Don&#8217;t separate saving and insuring<\/a><\/li><li><a href=\"#fehler-5-konto-statt-wertschriften-verwenden\">Mistake #5: Using an account instead of securities  <\/a><\/li><li><a href=\"#fehler-6-rendite-auf-sparkonto-nicht-optimieren\">Mistake #6: Not optimizing returns on savings accounts<\/a><\/li><li><a href=\"#fehler-7-alles-auf-einem-saule-3-a-konto-sparen\">Mistake #7: Saving everything in one pillar 3a account<\/a><\/li><li><a href=\"#fehler-8-zu-hohe-gebuhren-fur-wertschriftenlosungen-bezahlen\">Mistake #8: Paying too high fees for securities solutions<\/a><\/li><li><a href=\"#fehler-9-die-falsche-losung-wahlen\">Mistake #9: Choosing the wrong solution<\/a><\/li><li><a href=\"#fehler-10-sich-nicht-mit-der-altersvorsorge-beschaftigen\">Mistake #10: Not dealing with retirement provision<\/a><\/li><\/ul><\/nav>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-7531904\" id=\"fehler-1-zu-spat-anfangen\" data-block-id=\"7531904\"><h2 class=\"stk-block-heading__text\">Mistake #1: Starting too late  <\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-71d6b95\" data-block-id=\"71d6b95\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\"><strong>Almost one in two young people (44%, age group 18-30) do not have a pillar 3a.<\/strong> This is shown <span style=\"font-weight: 400\">by facts from the Raiffeisen <a href=\"https:\/\/www.raiffeisen.ch\/content\/dam\/www\/rch\/pdf\/publikationen\/vorsorgebarometer\/raiffeisen-vorsorgebarometer-2019.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">pension barometer<\/a> on the third pillar.<\/span> We often hear from young people that it is still too early to save for retirement. That is still a long way off and they will still have time to take care of their old-age provision later.  <\/span> <span style=\"font-weight: 400\">By contrast, 4 out of 5 older people have a pillar 3a (80 %, age group 51-65).  <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-8accaa4\" data-block-id=\"8accaa4\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">The only problem is that every second person misses out on many years in which the compound interest effect does not boost their assets. And this effect is massive.   <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-4f89f58\" data-block-id=\"4f89f58\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">Take the <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/the-compound-interest-effect-your-ally-for-retirement-provision\/\">example of<\/a> Philipp (25) and Daniel (45). They both start saving at the same time and pay in the same amount. Philipp ends up with three times more assets than Daniel. What&#8217;s more, Philipp is already a wealth millionaire 5 years before the current retirement age. However, he has only paid in just under a quarter of his assets. The remaining three quarters are compound interest. Even though it may be difficult, avoid making the mistake of starting pillar 3a at a later date.        <strong>Now is good. NOW. <\/strong><\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-8503d7b\" id=\"fehler-2-maximalbetrag-nicht-ausschopfen\" data-block-id=\"8503d7b\"><h2 class=\"stk-block-heading__text\">Error #2: Do not use the maximum amount  <\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-d903a05\" data-block-id=\"d903a05\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">According to <a href=\"https:\/\/verein-vorsorge.ch\/\" target=\"_blank\" rel=\"noopener noreferrer\">the Swiss Pension Fund Association<\/a>, the average investment amount in 2018 is CHF 3,400, which is well below the maximum amount. Mr. and Mrs. Swiss are therefore often not making full use of the <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-maximum-amount-2025\/\" data-type=\"post\" data-id=\"8321\">maximum Pillar 3a amount<\/a>.   <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-06efc72\" data-block-id=\"06efc72\"><p class=\"stk-block-text__text\">This is confirmed by the data from the 2019 Pension Barometer. Half pay in the maximum amount, but a quarter pay in little or almost nothing. Men, older people and those who own their own home pay above-average amounts into pillar 3a.  <\/p><\/div>\n\n<div style=\"min-height:400px\"><img decoding=\"async\" src=\"https:\/\/datawrapper.dwcdn.net\/aDIv2\/full.png\" alt=\"\" title=\"\"><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-b8cb437\" data-block-id=\"b8cb437\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">What are the possible reasons for this?  <\/span><\/p><\/div>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">&#8220;I forgot&#8221; does not apply to you. You can solve this with a monthly standing order at the beginning of the month.  Or you can let our pillar 3a pacemaker remind you free of charge.<\/li>\n\n\n\n<li data-block-type=\"core\"><span style=\"font-weight: 400\"><strong>Would you rather live today than tomorrow?<\/strong> Then read this<a href=\"https:\/\/www.smolio.ch\/en\/wissen\/eat-the-marshmallow-later-what-sweets-and-retirement-have-to-do-with-each-other\/\"> article<\/a>.  <\/span><\/li>\n\n\n\n<li data-block-type=\"core\"><span style=\"font-weight: 400\"><strong>Part-time and little money?<\/strong>  Fair point. But think about it, because a good part of your deposit will be paid for by <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-tax-deduction-the-ultimate-guide\/\">tax savings.<\/a>   <\/span>Depending on your personal situation and place of residence, this can amount to between 200 and 400 francs per 1,000 francs paid in. \ud83d\ude2f<\/li>\n<\/ul>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-7f8e3d8 stk-block-background\" data-block-id=\"7f8e3d8\"><style>.stk-7f8e3d8 {background-color:#02b875 !important;}.stk-7f8e3d8:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-7f8e3d8-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-f08d2fd\" data-v=\"4\" data-block-id=\"f08d2fd\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-f08d2fd-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-f08d2fd-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unser-saule-3a-tipps-kostenlos-an-die-einzahlung-erinnern-lassen\">Our pillar 3a tips: <strong>Get a free reminder to pay in<\/strong><\/h3>\n\n\n\n<p class=\"has-white-color has-text-color\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">With the pillar 3a pacemaker, you will no longer miss your pillar 3a payment. We will inform you free of charge about paying into your pillar 3a. Simply enter your next steps below. Depending on the selected reminder cycle, we will send your text entry in the &#8220;My next steps&#8221; field 30, 90 or 365 days later. And of course: you will also find a link to unsubscribe in every email \ud83d\ude09  <\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group aligncenter stk-block-button-group stk-block stk-24c7a8d\" data-block-id=\"24c7a8d\"><div class=\"stk-row stk-inner-blocks has-text-align-center stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button has-text-align-center stk-block stk-b7956b5\" data-block-id=\"b7956b5\"><style>.stk-b7956b5 .stk-button{background:#192483 !important;border-top-left-radius:25px !important;border-top-right-radius:25px !important;border-bottom-right-radius:25px !important;border-bottom-left-radius:25px !important;}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/www.smolio.ch\/en\/pillar-3a-reminder-your-pacemaker\/\"><span class=\"stk-button__inner-text\">Activate free reminder  <\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-dbb2a90\" id=\"fehler-3-erst-am-jahresende-einzahlen\" data-block-id=\"dbb2a90\"><h2 class=\"stk-block-heading__text\">Mistake #3: Don&#8217;t pay in until the end of the year<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-96cd6f7\" data-block-id=\"96cd6f7\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">Quickly paying into pillar 3a at the last minute at the end of the year? Good, you&#8217;ve still managed to fit it in, tschakka!   <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-1bdb588\" data-block-id=\"1bdb588\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">But it gets even better. With a little tweak to your habits, it gets even better. Reto pays <strong>into<\/strong> his pillar 3a <strong>at the beginning of the year instead of the end<\/strong>. Because he does this regularly, he ends up with <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pillar-3a-at-the-beginning-of-the-year-the-early-bird-gets-more\/\">around 15 % more<\/a> in his account. That&#8217;s a seventh more. Best wishes from compound interest.     <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-2a4f136\" id=\"fehler-4-sparen-und-versichern-nicht-trennen\" data-block-id=\"2a4f136\"><h2 class=\"stk-block-heading__text\">Mistake #4: Don&#8217;t separate saving and insuring<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-f83f615\" data-block-id=\"f83f615\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">Current figures from the <a href=\"https:\/\/www.raiffeisen.ch\/content\/dam\/www\/rch\/ueber-uns\/medien\/medienmitteilungen\/2023\/de\/studie-raiffeisen-vorsorgebarometer-2023.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Pension Barometer 2023<\/a> also show that every second person (45.7 %, 2023) puts their money into a 3a insurance policy.  <\/span><\/p><\/div>\n\n<div style=\"min-height:249px\"><img decoding=\"async\" src=\"https:\/\/datawrapper.dwcdn.net\/H7roq\/full.png\" alt=\"\" title=\"\"><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-d713129\" data-block-id=\"d713129\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">Oops. A basic principle of financial planning is to separate insurance and savings. In pillar 3a terms, this means thinking very carefully about whether you really need life insurance or insurance to pay the premiums.    <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-a649d0b\" data-block-id=\"a649d0b\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">This is because brokers sometimes earn 100% of their income from acquisition commissions. They get a big handshake from the insurance company when you take out your 3a insurance policy. Logically, the insurance company first offsets the commission against your deposits. That&#8217;s why the so-called surrender value (&#8220;how much money do I get back when the insurance is terminated?&#8221;) is usually zero in the first 2-3 years. Apart from that, your initial capital does not earn interest. And if you decide to terminate the insurance prematurely, part of your paid-in capital is gone. That&#8217;s the acquisition commission &#8230;        <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-7d4a549\" id=\"fehler-5-konto-statt-wertschriften-verwenden\" data-block-id=\"7d4a549\"><h2 class=\"stk-block-heading__text\">Mistake #5: Using an account instead of securities  <\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-256377b\" data-block-id=\"256377b\"><p class=\"stk-block-text__text\">In 2022, pillar 3a held total assets of around CHF 140 billion. Banks manage around two thirds of this, with insurance companies managing the rest. Of the total 3a assets    <span style=\"font-weight: 400\">over 40 % are in low-interest 3a savings accounts. Apparently, most people are opting for security instead of additional income.   <\/span>The following chart shows you where the 3a capital currently stands. The data evaluation from another source naturally differs by a few percentage points from the survey results of the pension barometer, but the messages are the same.   <\/p><\/div>\n\n<div style=\"min-height:800px\"><img decoding=\"async\" src=\"https:\/\/datawrapper.dwcdn.net\/Glpnl\/full.png\" alt=\"\" title=\"\"><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-3912ad6\" data-block-id=\"3912ad6\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">Well, the decision to opt for &#8220;security&#8221; leads to a real loss of purchasing power due to inflation. This is a shame and actually &#8220;wasted money&#8221;, because the long investment horizon would be ideal for exploiting the substantially higher potential returns of an investment in securities.    <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-9bacced\" data-block-id=\"9bacced\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">Let&#8217;s take a look at the financial consequences using the <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/is-a-pillar-3a-fund-worthwhile\/\">example<\/a> of three friends Sandra, Corinne and Alex. Over the past 10 years since 2009, Alex has built up almost 20 % more assets in pillar 3a with his securities solution than Corinne, who relied on a pillar 3a account. And Alex has 70 % more than Sandra, who had a savings account instead of pillar 3a. So, as a rule of thumb, you can remember: <strong>with securities in pillar 3a, there is significantly more in it<\/strong>, but you have a greater <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/asset-classes-or-three-ways-to-make-money-with-a-lemonade-stand\/\">risk of fluctuations in value<\/a>. You should have an investment horizon of 7 to 10 years.      <\/span><\/p><\/div>\n\n<div style=\"min-height:187px\"><img decoding=\"async\" src=\"https:\/\/datawrapper.dwcdn.net\/3hhOe\/full.png\" alt=\"\" title=\"\"><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-30b36e0\" id=\"fehler-6-rendite-auf-sparkonto-nicht-optimieren\" data-block-id=\"30b36e0\"><h2 class=\"stk-block-heading__text\">Mistake #6: Not optimizing returns on savings accounts<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-20ff985\" data-block-id=\"20ff985\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">In recent years, interest rates on pillar 3a savings accounts have continued to fall. With the interest rate turnaround, they have risen in 2023. If the pillar 3a account is your partner of choice, it is therefore worth taking a look at the current interest rates offered by other providers.    <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-fe559a2\" data-block-id=\"fe559a2\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\"><strong>Don&#8217;t make the mistake of not optimizing returns in pillar 3a.  <\/strong>This is because the spread at the end of 2023 is between 0.26% (&#8220;nothing&#8221;) and various providers with interest rates of over 1.4%. Even small differences in interest rates make a big difference over a long investment horizon due to the compound interest effect. Switching your pillar 3a account to a bank or digital provider with a higher interest rate is easy. This is possible at any time and usually free of charge.     <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-edd4300\" id=\"fehler-7-alles-auf-einem-saule-3-a-konto-sparen\" data-block-id=\"edd4300\"><h2 class=\"stk-block-heading__text\">Mistake #7: Saving everything in one pillar 3a account<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-6a2ff10\" data-block-id=\"6a2ff10\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">You can pay into pillar 3a tax-free up to the maximum amount. When you withdraw it later, you will have to pay tax on the assets. A greatly reduced tax rate applies. It therefore makes sense to stagger your third pillar withdrawals over several years. That way you break the <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/tax-progression\/\">tax progression<\/a> when you withdraw. So far, so good. And?        <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-e5ad663\" data-block-id=\"e5ad663\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">A staggered withdrawal is only possible if you have <strong>several accounts <\/strong>. This is because you can only ever close a pillar 3a account in full. And you cannot subsequently split an account into two accounts. You let others make the mistake of keeping only one pillar 3a account. By the way, by account we mean both the pillar 3a savings account and the pillar 3a securities solution (and also the pillar 3 insurance policy, if you have one).      <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-13aed24 stk-block-background\" data-block-id=\"13aed24\"><style>.stk-13aed24 {background-color:#02b875 !important;}.stk-13aed24:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-13aed24-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-739085c\" data-v=\"4\" data-block-id=\"739085c\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-739085c-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-739085c-inner-blocks\">\n<h3 class=\"wp-block-heading has-white-color has-text-color\" id=\"h-unsere-saule-3a-tipps-entdecke-mehr-zur-5-konten-regel\">Our pillar 3a tips: Discover more about the 5-account rule<\/h3>\n\n\n\n<div class=\"wp-block-stackable-posts stk-block-posts stk--has-container stk-block stk-36edb37 alignwide is-style-horizontal-2\" data-v=\"2\" data-block-id=\"36edb37\"><style>.stk-36edb37 {--stk-columns:1 !important;}.stk-36edb37 .stk-img-wrapper{height:100% !important;}<\/style><div class=\"stk-inner-blocks stk-content-align stk-36edb37-column alignwide\"><div class=\"stk-block-posts__items\"><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-36edb37-container stk-hover-parent\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/splitting-pillar-3a-assets-is-that-possible\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/05174214\/2023-11_Smolio-Blog_Saule-3a-aufteilen.webp\" class=\"attachment-full size-full wp-post-image\" alt=\"S\u00e4ule 3a Guthaben aufteilen\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/05174214\/2023-11_Smolio-Blog_Saule-3a-aufteilen.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/05174214\/2023-11_Smolio-Blog_Saule-3a-aufteilen-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/05174214\/2023-11_Smolio-Blog_Saule-3a-aufteilen-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/05174214\/2023-11_Smolio-Blog_Saule-3a-aufteilen-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/05174214\/2023-11_Smolio-Blog_Saule-3a-aufteilen-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/05174214\/2023-11_Smolio-Blog_Saule-3a-aufteilen-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/splitting-pillar-3a-assets-is-that-possible\/\">Splitting pillar 3a assets: is that possible?<\/a><\/h3><div class=\"stk-block-posts__excerpt\">I want to split my pillar 3a assets, the account has become too large. I don&#8217;t want to pay so much tax later on. Is there any way I can still split my pillar 3a? We hear these questions all the time. Discover three hacks to reduce the size of your 3a account&#8230;.<\/div><a class=\"stk-block-posts__readmore\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/splitting-pillar-3a-assets-is-that-possible\/\">Continue Reading<\/a><\/article><\/div><\/div><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-36edb37-container stk-hover-parent\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/how-many-3a-accounts-make-sense\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a.webp\" class=\"attachment-full size-full wp-post-image\" alt=\"Wie viele 3a Konten\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/10\/29081906\/2023-10_Smolio-Blog_Wie-veiele-Saule-3a-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/how-many-3a-accounts-make-sense\/\">How many 3a accounts make sense?<\/a><\/h3><div class=\"stk-block-posts__excerpt\">How many pillar 3a accounts should I open? From what amount should I open a new pillar 3a account? And: how many pillar 3a accounts are allowed? Can I have several pillar 3a accounts at the same bank? We hear these questions again and again. Discover the five-account rule for pillar 3a and how you&#8230;<\/div><a class=\"stk-block-posts__readmore\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/how-many-3a-accounts-make-sense\/\">Continue Reading<\/a><\/article><\/div><\/div><\/div><div class=\"stk-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-9eca361\" id=\"fehler-8-zu-hohe-gebuhren-fur-wertschriftenlosungen-bezahlen\" data-block-id=\"9eca361\"><h2 class=\"stk-block-heading__text\">Mistake #8: Paying too high fees for securities solutions<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-96ed3ba\" data-block-id=\"96ed3ba\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">A lot has changed in asset management over the last decade. Passive investment products, so-called index funds and ETFs, came onto the market with much lower costs than active investment products. <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/passive-pillar-3a-funds-why-pay-more\/\">Passive products<\/a> have also been increasingly available in pension provision for some years now.   <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-8fb83ba\" data-block-id=\"8fb83ba\"><p class=\"stk-block-text__text\">Many people do not realize that they are taking a big risk when choosing actively managed funds. Probably very few of us play &#8220;Russian roulette&#8221;, a potentially fatal game of chance. But by choosing active funds in pillar 3a, you are doing just that, as we explain in another <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/etf-vs-active-fund-returns-are-passive-funds-better-than-equity-funds\/\">article<\/a>. Because finding the right active fund is like playing Russian roulette: Over a 10-year period, only just 2 out of 100 actively managed funds outperform their benchmark index. The reason for the poorer performance of active funds over longer periods is their high costs. The fees eat into your returns.     <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-beae4e7\" data-block-id=\"beae4e7\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">With a pillar 3a with securities, the cost difference over the long investment horizon adds up quite a bit. In <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/every-little-helps-what-a-difference-a-small-fee-makes\/\">Reto&#8217;s case<\/a>, he ended up with around 30% more assets with the passive product. And that&#8217;s only because of the lower fees!    <\/span>We think: don&#8217;t play Russian roulette with active products in your retirement provision. Look for a favorable passive solution.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3112f5f stk-block-background callout\" data-block-id=\"3112f5f\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-3112f5f{background-color:#02b875 !important;margin-bottom:40px !important}.stk-3112f5f:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3112f5f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4a4cbd5\" data-v=\"4\" data-block-id=\"4a4cbd5\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4a4cbd5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4a4cbd5-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-fe9674b\" data-block-id=\"fe9674b\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-6627\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG.png\" width=\"1200\" height=\"800\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG.png 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-800x533.png 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-315x210.png 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-768x512.png 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-360x240.png 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-400x267.png 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4891e88\" data-v=\"4\" data-block-id=\"4891e88\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4891e88-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4891e88-inner-blocks\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-addbbcb\" id=\"finde-die-beste-saule-3-a\" data-block-id=\"addbbcb\"><style>.stk-addbbcb .stk-block-heading__text{color:#ffffff !important}<\/style><h3 class=\"stk-block-heading__text has-text-color has-text-align-center\">Find the best pillar 3a<\/h3><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c2849cd\" data-block-id=\"c2849cd\"><style>.stk-c2849cd .stk-block-text__text{color:#ffffff !important}<\/style><p class=\"stk-block-text__text has-text-color\">Unbelievable &#8211; most people pay too much for their pillar 3a and get too little return.\nAre you one of them?\nFind out which pillar 3a is best suited to you with just a few clicks in our free comparison.    <\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-38be4a0\" data-block-id=\"38be4a0\"><div class=\"stk-row stk-inner-blocks has-text-align-center stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button has-text-align-center stk-block stk-1f879d2\" data-block-id=\"1f879d2\"><style>.stk-1f879d2 .stk-button{background:#192483 !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/finder.smolio.ch\/\" target=\"_blank\" rel=\"noopener\"><span class=\"stk-button__inner-text\">Find the best pillar 3a<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-944143e\" id=\"fehler-9-die-falsche-losung-wahlen\" data-block-id=\"944143e\"><h2 class=\"stk-block-heading__text\">Mistake #9: Choosing the wrong solution<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-d006d01\" data-block-id=\"d006d01\"><p class=\"stk-block-text__text\">Today, almost half still rely on 3a savings accounts. An account can make sense if equity capital is to be saved for the purchase of a property or the investment horizon until the assets are withdrawn is short. However, the returns are very low and, taking inflation into account, there is usually a loss of purchasing power on the savings in real terms.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-f750d28\" data-block-id=\"f750d28\"><p class=\"stk-block-text__text\">Others rely on insurance policies, commit to decades-long savings contracts, accept meager returns and little flexibility. Such policies are often taken out out of fear of the risks of occupational disability or death. But firstly, no one needs to insure themselves against death if they have no maintenance obligations or loans, and secondly, these risks can be insured separately outside of pillar 3a as required if an insured event occurs (e.g. children or mortgage). As a rule, it makes sense to clearly separate insuring and saving and to save with low-cost, high-yield investments.<\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-0b5444f\" data-block-id=\"0b5444f\"><p class=\"stk-block-text__text\">For a long-term investment for retirement provision, we therefore believe that securities solutions with high equity ratios are a sensible solution for most pillar 3a savers with an investment horizon of more than 10 years.\u2728<\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-0c42863\" id=\"fehler-10-sich-nicht-mit-der-altersvorsorge-beschaftigen\" data-block-id=\"0c42863\"><h2 class=\"stk-block-heading__text\">Mistake #10: Not dealing with retirement provision<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-5c7a6bf\" data-block-id=\"5c7a6bf\"><p class=\"stk-block-text__text\">A study conducted as part of the Swiss labor force survey shows that it is not because of money that employed persons do not pay into pillar 3a. Many people don&#8217;t bother with pensions and simply rely on the state. A classic mistake. This is because they are not aware that the state pension systems (AHV and mandatory occupational benefits) will only provide basic security in old age and only if the maximum contributions have been paid in for the rest of their lives.  <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-a275c83\" data-block-id=\"a275c83\"><p class=\"stk-block-text__text\">In order to maintain your accustomed standard of living in retirement, it is essential that you have your own private pension provision, at least with pillar 3a and ideally also a voluntary pension (pillar 3b).  <\/p><\/div>\n\n<div style=\"min-height:496px\"><img decoding=\"async\" src=\"https:\/\/datawrapper.dwcdn.net\/U6i4t\/full.png\" alt=\"\" title=\"\"><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-764ebe9\" id=\"zusammenfassung-saule-3-a-tipps-und-tricks\" data-block-id=\"764ebe9\"><h2 class=\"stk-block-heading__text\">Summary of pillar 3a tips and tricks<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-71e7da0\" data-block-id=\"71e7da0\"><p class=\"stk-block-text__text\">In summary, you can avoid common mistakes when investing in pillar 3a quite easily. Start early, pay in the maximum amount at the beginning of each year and &#8211; if the investment period allows &#8211; invest in securities with passive products and divide them into several accounts in good time. That&#8217;s it. Then you&#8217;ll get the most out of it. No magic, right?<\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-qc71h04 stk-block-background callout\" data-block-id=\"qc71h04\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-qc71h04{background-color:#02b875 !important;margin-bottom:40px !important}.stk-qc71h04:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-qc71h04-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-0phsliw\" data-v=\"4\" data-block-id=\"0phsliw\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-0phsliw-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-0phsliw-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-1y0p46q\" data-block-id=\"1y0p46q\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-827\" src=\"https:\/\/www.smolio.ch\/wp-content\/uploads\/2017\/08\/Vorsorgecheck-live_Einkommensu&#x308;bersicht-niedergelassene_Smolio-Wissen.png\" width=\"800\" height=\"566\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\"><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-b7smlj1\" data-v=\"4\" data-block-id=\"b7smlj1\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-b7smlj1-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-b7smlj1-inner-blocks\"><p data-block-type=\"core\"><div class=\"mautic-slot\" data-slot-name=\"c2a-blog-finanzdashboard\"><\/p>\n<h3>Mach den ersten Schritt zur finanziellen Unabh\u00e4ngigkeit<\/h3>\n<p> In einer Minute siehst du deine Verm\u00f6gensentwicklung und dein Einkommen w\u00e4hrend der Rente. <\/p>\n<p> <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\">Rentenrechner starten<\/a> <\/p>\n<p><\/div><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>What are the best tips and tricks for your pillar 3a? After all, you&#8217;re putting a lot of money into it. But many people make unnecessary mistakes and give money away. We&#8217;ll show you the 10 mistakes you can easily avoid in pillar 3a. Because we think you can easily learn from other people&#8217;s mistakes.    <\/p>\n","protected":false},"author":8,"featured_media":6772,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2260],"tags":[2429,2450,2416,2262,2417,2181,2462,2377,2261],"class_list":{"0":"post-8660","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-invest-in-pillar-3a","8":"tag-financial-decisions","9":"tag-passive-3a-pension-fund","10":"tag-pay-into-pillar-3a","11":"tag-pillar-3a","12":"tag-pillar-3a-accounts","13":"tag-pillar-3a-maximum-amount","14":"tag-pillar-3a-pension-fund","15":"tag-pillar-3a-tax","16":"tag-securities-savings-pillar-3a"},"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/12\/26103315\/Smolio_Blog_Saule3a-Tipps-Tricks-Fehler.webp",1200,800,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/12\/26103315\/Smolio_Blog_Saule3a-Tipps-Tricks-Fehler-315x210.webp",315,210,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/12\/26103315\/Smolio_Blog_Saule3a-Tipps-Tricks-Fehler-800x533.webp",800,533,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/12\/26103315\/Smolio_Blog_Saule3a-Tipps-Tricks-Fehler-768x512.webp",768,512,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/12\/26103315\/Smolio_Blog_Saule3a-Tipps-Tricks-Fehler.webp",1140,760,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/12\/26103315\/Smolio_Blog_Saule3a-Tipps-Tricks-Fehler.webp",1200,800,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/12\/26103315\/Smolio_Blog_Saule3a-Tipps-Tricks-Fehler.webp",1200,800,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/12\/26103315\/Smolio_Blog_Saule3a-Tipps-Tricks-Fehler-1140x694.webp",1140,694,true],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/12\/26103315\/Smolio_Blog_Saule3a-Tipps-Tricks-Fehler-555x360.webp",555,360,true],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/12\/26103315\/Smolio_Blog_Saule3a-Tipps-Tricks-Fehler-220x180.webp",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/12\/26103315\/Smolio_Blog_Saule3a-Tipps-Tricks-Fehler-360x240.webp",360,240,true],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/12\/26103315\/Smolio_Blog_Saule3a-Tipps-Tricks-Fehler-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/12\/26103315\/Smolio_Blog_Saule3a-Tipps-Tricks-Fehler-400x267.webp",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/12\/26103315\/Smolio_Blog_Saule3a-Tipps-Tricks-Fehler-300x300.webp",300,300,true]},"post_excerpt_stackable_v2":"<p>What are the best tips and tricks for your pillar 3a? After all, you&#8217;re putting a lot of money into it. But many people make unnecessary mistakes and give money away. We&#8217;ll show you the 10 mistakes you can easily avoid in pillar 3a. Because we think you can easily learn from other people&#8217;s mistakes.    <\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/invest-in-pillar-3a\/\" rel=\"category tag\">Invest in pillar 3a<\/a>","author_info_v2":{"name":"Thomas","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/thomas\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8660","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8660"}],"version-history":[{"count":6,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8660\/revisions"}],"predecessor-version":[{"id":10143,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8660\/revisions\/10143"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/6772"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8660"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8660"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8660"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}