In particular cases, you can withdraw your pillar 3a retirement savings before you reach retirement age, for example to finance your own home or if you become self-employed. In this case, the investment horizon is shortened substantially and attractive returns can only be earned with a significantly higher risk of loss. Consequently, savings should be invested in accordance with the remaining investment horizon.
Example: If you plan to buy your own home in ten years, the investment strategy of a 55 year-old is chosen. In the first two years, up to 50 percent should be invested in equities, 40 percent in bonds and 10 percent in real estate, after which time you should pay into a fixed-income account.