Fortsetzung der Diskussion von I stopped seeing FIRE as one number and started seeing it as levels of freedom:
I would claim that that person meant “guaranteed with 99.99% certainity”. Of course, there is a non-zero chance that you might not receive your guaranteed pension. It might be necessary and useful to discuss such a non-zero chance scenario, I have therefore moved this discussion to a new thread.
while fraud is one risk. i think another risk is changing of rules. we’ve seen this in some countries where they kept extending the age at which you can withdraw your pension.
in switzerland they are trying to encourage people to retire later. if that doesn’t work, maybe they will start forcing them to retire later.
Can strike the „maybe" imo 
One thing I like about Switzerland is that politicians are easily accessible, don’t hide behind security detachments and go to the same cultural festivals that you do.
Plus changes of laws can be thwarted by referendums launched by random schmoes like you and me.
It makes passing deeply unpopluar measures more difficult. The playing field is about convincing and finding the right arguments that will make the idea popular or the proposed alternative more unpopular. There again, random schmoes like you and me can play the game too.
If there’s one country where forced measures have less chances to happen than elsewhere, we may be living in it. That’s not to say changes in pension benefits can’t happen, they certainly can. I just don’t think a forced measure is likely at all.
well the referendums are making the pension less sustainable like the 13th payment one.
i will try to get benefits ASAP, either taking early retirement or withdrawing capital (assuming that is allowed - another major risk of change right there)
5 posts were merged into an existing topic: Threat of losing 50% of your Swiss pension
biggest risk: dying before retirement age.
I fully expect that in 20-30 years the retirement age will be (at least) 1-3 years later than today.
(Germany and Italy are already at 67, afaik?)
20-30? I say 15.
I had built up 2nd pillar like pension rights when employed in a non swiss country while working for a company there for a year.
year after yesr for 10 years i get a letter stating the value of the rights and explicitly stating these were non-revokable rights
then the letters stopped
took me a year or 2-3 to notice, get online access, and voila: found a recent letter (or rather: digital scan thereof) revoking my full pension
The pension fund offered me a small tolen payment in return for signing a very restrictive agreement (confidentiality, etc etc) which I refused
It is now with the national insurance ombudsman and i expect it to go to court before year end as the pension fund is digging its heels in as i ssupext they know that if i get my claim validated they may have a bad precedent for them
At the end of the day… it’s not yours until it is cash in hand
make sure you know exactly where yiu have what pension rights and have documents confirming it and keep track of it
I have a pension fund from a former employer just disappear too.
The pension fund was transferred to new owners a while back and attempts to chase up old employer and the first pension fund they transferred it to has led to blanks.
None of them can find any records, or say that it’s not their responsibility any more and to contact the other organisation. Luckily it was only for 2 years of contribution.
When I see stuff like that, getting 1% in bonds doesn’t seem so bad after all! 
Something like that, but with a Swiss pension fund:
Is that in Switzerland or another country?
The Democratic People’s Republic of the United Kingdom 