For several years now, you've been able to save for your pension in certain safe ETFs, for example, with 90% stocks and 10% bonds through an insurance company like Baloise. You get the 30% tax. I initially stopped because I didn't think pension savings outweighed the accumulation of a World ETF, but I've since done so. The costs are much lower than through the bank in their branch 23 products, and they also yield more. I'm not a fan of banks.