Pension

This business of producing all the papers about pension that ze Swiss authorities want for my citizenship made me think. We all have some sort of pension fund (well, we in the western world), whether it's required by law or private, and not generalizing too much, I think they all suck.

If I would've had that money to myself I would be a rich woman by now. With security for not only my old age, but several other people.

We pay for administration and bad investments, and bonuses for fired managers, and none of us object. Because it's the law. And even if the stock market is going through the roof, the increased value of the pension fund is if not negative, so very moderate.

Lately I've been on minus on my bank account, 'cause I knew that the interest rate for the central bank is negative, so I was in my naivity thinking that I paid next to nothing for the overdraft. Not. 3.25% the bank is charging me! Bloodsuckers!

But I guess it's because the state doesn't trust people to do what's good for them in the long run, and they take responsibility for that. If only people would be like me!