By answering 6 simple questions you will find the right strategy for you. Your willingness to take risks has a major influence. If you don’t like big fluctuations, you will only be offered low-risk strategies. In addition to risk appetite, risk capacity also plays a major role. This is essentially determined by the investment horizon, which is typically very long in the third pillar. For example, a 30-year-old investor can easily sit out a stock market crisis. This is the case since his investment horizon (period of time in which the money is invested) is around 35 years (that is, until retirement).