# Alternatives to pillar 2 for early retirement

**URL:** https://forum.mustachianpost.com/t/alternatives-to-pillar-2-for-early-retirement/9820
**Category:** Banks, Insurances & Third Pillar
**Created:** [February 16, 2023, 6:47am UTC](https://forum.mustachianpost.com/t/alternatives-to-pillar-2-for-early-retirement/9820 "2023-02-16T06:47:32Z")
**Posts on this page:** 1
**Showing post:** 4

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### Author: ![FunnyDjo](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/funnydjo/32/3216_2.png) [@FunnyDjo](https://forum.mustachianpost.com/u/FunnyDjo)
#### Post date: [February 16, 2023, 9:27pm UTC](https://forum.mustachianpost.com/t/alternatives-to-pillar-2-for-early-retirement/9820/4 "2023-02-16T21:27:15Z")

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I created a topic featuring latest Ben Felix video on Swr

> [@Safe Withdrawal Rate \[2022\]](https://forum.mustachianpost.com/t/safe-withdrawal-rate-2022/9461):
>
> Hi guys, As some of you in this thread, I was conservative by choosing a 3,5% SWR with 60% equity / 40% bonds portfolio diversified with international stock. [Latest video from Ben Felix](https://youtu.be/1FwgCRIS0Wg) made me even more conservative… I also like the idea of a [guardrail rate to work of 30%](https://earlyretirementnow.com/2018/05/09/the-ultimate-guide-to-safe-withdrawal-rates-part-24-flexibility-myths-vs-reality/) of your portfolio to drastically cut back expenses or go back to work.

There are few others  
[https://forum.mustachianpost.com/search?context=topic&context\_id=9820&q=Safe%20withdrawal%20rate&skip\_context=true](https://forum.mustachianpost.com/search?context=topic&context_id=9820&q=Safe%20withdrawal%20rate&skip_context=true)

You should also consider employability in Switzerland after 50 y.o. It could be an challenge to find a company ready to hire you and pay extra for the 2nd pillar contribution due to your age.

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