Oh yeah, you’re right. In the US we mostly use the term “pension” to refer to the type where you only get benefits after 5 years of service, the employer decide

Oh yeah, you’re right. In the US we mostly use the term “pension” to refer to the type where you only get benefits after 5 years of service, the employer decides where to invest the money, etc. Updated my original post to make it a little clearer.