What is better: A voluntary purchase into the pension fund or payments into pillar 3a?
Both a voluntary purchase into the pension fund and payments into pillar 3a improve your retirement provision and can be deducted from your taxes. Because of this, both are generally sensible measures - there are, however, exceptions. An important difference is that missed payments into pillar 3a cannot be made up afterwards, whereas voluntary purchases into the pension fund are possible at pretty much any time. From a tax perspective, it therefore usually makes sense to make the maximum payment into pillar 3a first, and only then consider a purchase into the pension fund.
Given the various aspects that need to be taken into account, we advise insured persons to discuss the different options with an expert.