The most important added value for you as a customer is the massive fee advantage over the competitors. It’s quite simple – anyone who pays less fees has a higher profit, year after year. In the case of securities investments, the principle of compound interest is also more effective. Your acquired assets generate profit, are reinvested and produce further profit in the following year. The lower the costs, the higher the profits. And the more time you give the compound interest effect, the greater its impact. It is precisely this time and a correspondingly long investment horizon that you have in the Pillar 3a.