The Federation of Pensioners argues that Pillar II of pensions favors the government and private firms, harming future pensioners through fees and bankruptcy risks.

The Federation of Pensioners' Federation (FNPR) says the privately managed Pillar II pension scheme benefits the government and companies, not pensioners. This reduces the funds available for Pillar I, affecting pension stability. The FNPR points out that the money from social security contributions is used by the government for spending, while private firms charge fees that reduce the pensions of future pensioners. The recently proposed bill could offer more flexible payment options, but FNPR remains skeptical about the real benefits for pensioners.