How do I get the most out of my pillar 3a?

A 3a solution that invests in securities can generate significantly higher returns. Many banks offer these types of solutions. However, these are often actively managed funds which charge high fees of 1.5% or more. In addition, there are also transaction costs, custody fees and issuing commissions, depending on the provider. You can get more out of your third pillar with a passive solution that invests in index funds or ETFs.