This - if you're 20s or early 30s the chances you'll get to use the pension are slim to none, considering how the pension funds are structured, current state of

This - if you're 20s or early 30s the chances you'll get to use the pension are slim to none, considering how the pension funds are structured, current state of work force/pension system and future trends, etc. there's going to be huge restructuring down the road and the chances of you getting out proportional to what you paid in are ~0 if you're above average income. You would do much better to invest that money either in your education/career/life standard or doing proper investing.