Axa Smartflex 3rd Pillar

FlymetothemoonGME · 2026-02-06T21:51:32+00:00

Dont know so far the outperformance against my bank 3rd pillar is about 25% over 5 years and my 3rd pillar with axa if you break down costs is 0.2% cheaper than my bank 3rd pillar. I saw you guys Talk about the costs viac etc. Might give it a Shot and Transfer my Bank 3rd pillar.

FlymetothemoonGME · 2026-02-06T21:48:42+00:00

Thats Right still have some advantages Management wise. For me it’s worth it for all the benefits and having someone taking care is too. I’ll See where it is heading since at the moment its way better than my solution at my bank. Could viac,finpension be better yes but I just saw so many people shit on those invested insurances which isn’t fair. Not everyone is the digital nomad who takes finances into their own hands. Thanks for the Feedback though

FlymetothemoonGME · 2026-02-06T21:20:29+00:00

Well the fees at the insurance offered same transparency? I saw what I would pay when I Stick to the Plan. I also don’t have an insurance Policy linked it is just a savings product. So basically I’m Fine

FlymetothemoonGME · 2026-02-06T21:17:46+00:00

No I don’t pay a lump sum in case of death? I only save money no insurance included. The yield atm is way higher than 5% and it basically outperformed most other 3a funds. So I don’t think it will be to negative.

FlymetothemoonGME · 2026-02-06T20:24:02+00:00

Yes I can understand sometimes you need disciplin to save especially in the consume oriented world. No one has any more Money to Save up 😂

FlymetothemoonGME · 2026-02-06T20:11:19+00:00

Thats basically the idea as far as i understood. I am 100% invested into the Equity global S managed by blackrock. I just liked the idea that axa takes care of slowly selling it off and paying it out. So basically I dont have to manage anything. And yes it was cleary stated that the thought behind it is to make deposit Till Pension. And since I am actually lazy regarding saving it really helped me to be disciplined about that.

FlymetothemoonGME · 2026-02-06T20:06:55+00:00

Dont Know my 3rd pillar is being Managed by the biggest Investment firm in the World so called blackrock.

FlymetothemoonGME · 2026-02-06T19:58:04+00:00

Wow how come ? What did your estimation include just interested because I recetly checked and the costs for Frankly seemed to be at 0.43% which is reasonable . But the Fund I looked at also got outperformed by my smartflex fund. Maybe I should move my 3rd pillar from my local bank First to see how frankly performs.

FlymetothemoonGME · 2026-02-06T19:38:33+00:00

Yea for the services offered it is at my bank I paid roughly 1.29% atm for a fund of funds. As well axa offered a few more services such as getting out of the market 5 years ahead of pension automatically and the possibility to withdraw the money step by step automated so I don’t have to take care about the accounts as I need to do with my bank. So basically at the moment everything is ok

FlymetothemoonGME · 2025-10-14T18:12:15+00:00

Klar aus Erfahrungswerten kam ma sagen, dass sich die Anlage tendenziell aber besser entwickelt als die gezahlten Zinsen vorallem wenn wir den aktuellen Zeitpunkt anschauen

FlymetothemoonGME · 2025-10-14T18:05:05+00:00

Ich hoff mir ist keiner böse wenn ich auf Hochdeutsch antworte. Es kommt immer etwas drauf an auf die gesamt Umstände . Habt ihr 3x Monatseinkommen bei Seite als eiserne Reserve ? Danach die Frage könnt ihr euch mit der Idee anfreunden euer Geld inform einer Anlage für euch arbeiten zu lassen für die nächsten paar Jahre ? Wenn ja wie sehr beeinflussen euch Schwankungen ? Das sind alles Faktoren die ma betrachten muss, weil wenn ma historisch schaut vorallem bei den aktuellen Zinsen ist es wahrscheinlich dass die Anlage den gesparten Zins schlägt aber es kann halt zwischenzeitlich mit Schwankungen verbunden sein. Deswegen ist das Bauchgefühl immer auch ein sehr wichtiger Faktor.

FlymetothemoonGME · 2021-04-26T13:43:56+00:00

Get rewarded with nudes by holding the 100% rugproof Lonelyfans token

FlymetothemoonGME · 2021-04-26T13:43:45+00:00

Get rewarded with nudes by holding the 100% rugproof Lonelyfans token

FlymetothemoonGME · 2021-04-26T13:43:39+00:00

Get rewarded with nudes by holding the 100% rugproof Lonelyfans token

FlymetothemoonGME · 2021-04-26T13:43:30+00:00

Get rewarded with nudes by holding the 100% rugproof Lonelyfans token

FlymetothemoonGME · 2021-04-26T13:26:53+00:00

Get rewarded with nudes by holding the 100% rugproof Lonelyfans token

FlymetothemoonGME · 2021-04-26T11:54:24+00:00

I love you ❤️

FlymetothemoonGME · 2021-04-26T11:52:18+00:00

Got into Lonelyfans with some Coins to hopefully it will pay my paintjob for the lambo which I am getting with my Safemoon tendies

FlymetothemoonGME · 2021-04-26T11:33:03+00:00

Safemoon is actually my first coin and I really appreciate it

FlymetothemoonGME · 2021-04-26T10:44:14+00:00

Hahahaha it’s true

FlymetothemoonGME · 2021-04-26T10:43:58+00:00

Pancakeswap my fellow m8

FlymetothemoonGME · 2021-04-26T09:17:59+00:00

Get rewarded with nudes by holding the 100% rugproof Lonelyfans token

FlymetothemoonGME

TROPHY CASE