We don't have separate pensions. You pay into the state (~25% of gross income, part is taken from your gross, part is paid by the employer, to get a 'gross-gros

We don't have separate pensions. You pay into the state (~25% of gross income, part is taken from your gross, part is paid by the employer, to get a 'gross-gross' value), and that's your pension. We have separate saving schemes for pension, where your income tax is deferred until you take the money out (due to progressive tax brackets, your tax percentage will be lower when you're retired, than it is now), but usually employers have nothing to do with that, and with interest lower than inflation, it's just not worth it.