Yes, because we can not predict the future. However, we can analyse the past and make projections based on it. From this perspective, it’s extremely unlikely that the buffer ends up in this situation. That being said, it’s possible. This is why you won’t find the word “guarantee” in any of our documents or marketing.

It's unlikely but in an extreme case, the buffer can end up with too little money to reimburse customers contributions fully. In this scenario it will evenly split its current worth between the customers who have a balance lower than their retirement baseline.

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