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@tierras The long-term return on ETFs will be higher, so financially that makes more sense. Whether the difference is worth the peace of mind of a paid off house is up to you. How about paying into PK to close gaps and save taxes? Worth taking a look at with your household income.

@robbinson Good info, but it's worth noting that if you did this, you'd get hit hard by capital gains taxes. They go down with time but only reach the minimum after 20 years in Kanton Zürich. Below two years I think you even pay a speculation penalty. They start at 40%.

@sallyalder How would you get access to the account so that you can invest it yourself?