@ale4614 When you are that young, you pay very little into the 2nd pillar, both as a percentage and as an absolute number. I don't see why you are so upset about it. Most people double or even triple their 2nd pillar between 50 and 65.
I think it's telling that you focused on my use of the word "bonds" (I used quotes as an indicator that it is a stand-in word for safe investment), but failed to reference the crashes I mentioned.
Like I said: You can do whatever you want with the rest of your money, nobody is stopping you!
If you don't have any other money to invest, I think spending your energy on getting a higher income would be a better use of your time.