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Old 19.10.2020, 15:20
HickvonFrick HickvonFrick is offline
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Re: Pillar 3a - Funds and shares supermarket

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Loosening the restrictions on pensions is fairly common globally, but as usual the Swiss are being cautious.

They've moved to a reasonable situation on 3a.

Having seen the mess in the UK with underfunded and simply fraudulent occupational pensions, I have some sympathy with their slowness on pillar 2.
For me the logical thing to do with pillar 2 is to have a relatively conservative default option, possibly with an age/risk dependency (more risk at a younger age).

Then, you should be able to change the default to change your risk tolerance with predetermined strategies, and then even to avoid the prepackaged options and simply to invest in any fund you like - but on your head be it.
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