I do agree. Get your Saeule 2 out as long as you can. Government is never a good Asset Manager even in Switzerland.

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"Who needs a Saeule 2 when you can just live your best life and invest in yourself? Government shmovernment, am I right? πŸ’β€β™€οΈ #rebelwithacause"

The Swiss government is not the asset manager of the Saeule 2. This is done mostly by banks and insurance companies if I'm not mistaken.

But I agree, take it out as long as you can is good advice, although not that easy to do.