Dentro de la confusión con que se está ampliando el ámbito de las pensiones privadas como complemento de las públicas (el modelo tripilar), prevalece en el magnetismo del segundo pilar —colectivo obligatorio—, en contraposición a la pérdida de atractivo del tercer pilar, el individual voluntario. Sucede que existen varios modelos de segundo pilar, y que en España el robustecimiento del mismo tropieza con diversos problemas que ante todo es preciso identificar con claridad. A identificar modelos y problemas van dedicadas las páginas siguientes.
Within the confusion with which the scope of private pensions is being expanded as a complement to public pensions, or the three-pillar model, the magnetism of the second pillar, or compulsory collective pillar, prevails, as opposed to the loss of attractiveness of the third pillar, the voluntary individual. It so happens that there are several second-pillar models, and that in Spain its strengthening comes up against various problems that, above all, must be clearly identified. To identify models and problems are dedicated the following pages.