@ale4614 You can still do that ....with your own money. I regard the 2nd Pillar as my "bonds"the stable investment. That means I can do whatever I like with my other money. It seems you are too young to remember the crashes of 2000 and 2008. I think in the long term you will be happy that your...
@tierras I would say it depends on your age primarily: Under 45 I would go with VT, above 50 I would primarily put in to the 2nd pillar to bring down taxes and fill up the pensionslücke. IMHO.