> feasting on your seed corn Assuming the ratio of the average salary to the average pension in my country stays the same, and that I will work for 40 years an

> feasting on your seed corn Assuming the ratio of the average salary to the average pension in my country stays the same, and that I will work for 40 years and retire for 10 (which is the expected case in Romania, but I expect I'll live longer), the return of the national pension fund is -78.6% of what I contribute. There's no way I will get a meaningful pension, especially given the fact that the country is undergoing depopulation. I have to manage my own wealth.