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Old 19.10.2020, 15:43
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Re: Pillar 3a - Funds and shares supermarket

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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.
Yes, and since we already have AHV in theory you're protected from being penniless.

Perhaps a step in this direction is to have some amount which is relatively conservative (pillar 2a) and the rest being flexible (pillar 2b) but still tax exempt.
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