I’d say it depends how long it will take you before getting another job and moving it to the pension fund of your new employer. I’d use that as my time horizon when considering my risk tolerance.
In the situation where it would be there for 10+ year, my second pillar is the only place where I’d want to play it safe and would not go 100% stocks. To me, it is the part of my retirement that the government will fight tooth and nail to make sure it is still there when I retire and doesn’t go bust because of a crisis happening where enough of the wrong companies go bust to take my savings with them. I’d go with age in bonds (or rather age in cash/gold with the current interest rates).
I’m no specialist on the VIAC vs valuepension part. There again, I’m risk averse with my second pillar and valuepension hasn’t been there for long enough for me to trust them with my long term retirement assets so I’d go with VIAC for that reason alone. Then again, VIAC hasn’t been there for that long either and I’m not sure I’d be really willing to trust the Terzo fundation with my long term second pillar money but the alternatives are so bad that I’d still go with it.
The market conditions have no direct influence on your money in a Pensionkasse. The only indirect influence is that the federal council will lower the minimum interest rate on the compulsory part. The Pensionkasse doesn’t invest your money. It invests its money. And they happen to owes you money.
As REandSTOCK said, there is a minimum interest rate mandated by law.
However, in “extreme” cases, the pension fund might be obligated to take financial rehabilitation measures, which might make you “lose” some money.
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