The pension issue has become a current topic, not least due to the financial crisis. What will the future of our pension system look like? However, it is fundamentally known that it will collapse, despite all the assurances from politicians that pensions are secure. The demographic development of the population speaks a clear language. One thing is certain: the population must take responsibility for their retirement savings into their own hands. Those who rely on the state will be let down. The state will only be able to provide a basic level of support, which will be far below our accustomed standard of living. The signs are already there: the abolition of early pensions, an increase in the retirement age, an extension of the pension assessment period, and reductions for retiring before the standard retirement age. But which product for wealth accumulation for retirement should one choose?.