| Quote: | |  | |
| .... Shall I be concerned throwing money at the 2-Säule? paying the known "gap" meaning if the bank holding the 2-Säule goes bankrupt then I lost all or? .... | |
| | |
Pillar-2 funds are usually in a trust structure. So it is unlikely that you suffer a total loss. However, if the trust makes unwise investments, then the assets could suffer.
The recent financial crisis has resulted in many pension trusts with less assets than their liabilities.
According to this parliamentary report
http://www.parlament.ch/d/suche/seit...ch_id=20093216
the majority of Swiss pension plans are in deficit and some only have assets 85% of liabilities.