Capital pillar pension insurance. Is it worth it for you?

Hello, since only the wildest comments without any expertise - purely based on feelings like a good angry citizen - are floating around here, I wanted to approach the matter from the factual side. I was wondering what return the bond fund would have to produce to beat a simple ETF savings. Assumptions: Gross salary: 50,000 euros Pension contribution for employees: 500 euros / year Payment into capital column: 1000 euros / year Net loss for employees: 500 euros / year * Limit load = 336 euros