Money is going to your pension fund, right? Is this not „taking it home“? In Switzerland at least a big part of the blue bar is pension fund. This is your own money, bound to one of the following four causes:

- found a company

- buy a home

- retire

- emigrate

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Spot the error.

Your own money. Bound to following.

Pension and social security is the biggest pyramid scheme. I'm an immigrant worker, and so far 2 different countries have basically kept my pension contributions without any reassurance or a clear way for me to access it, and the 3rd country where I spent the most time (8+ yrs) forces me to pay for social security, but when I need that security, I'm ineligible for the benefits. I'm quite certain they'll screw me over on the pension as well by changing the rules later.

No thank you, I'll manage my own security, and my own retirement. I don't need no state interfering.

Would you simply neglect people who cannot plan or handle money?

Historically it was a huge problem (in Switzerland before 1948) that old people did not have savings.

What would you do instead of pension?

I would like the option to opt-out. As in my examples, if I can't access it, I should not be forced to contribute to it.

I see. Which were the countries that keep pension from you?

Canada and Switzerland

Can you tell me more about the Swiss case? I wonder how they can keep pension from you.

I'll DM you