> you can have your pension in savings investments without anyone's else financial contribution Those investments still need workers to work in the underlying

> you can have your pension in savings investments without anyone's else financial contribution Those investments still need workers to work in the underlying companies, and that doesn't count products that don't usually get covered by pension income e.g. healthcare. Those investments _will_ go into terminal decline if the labour and demand provided by the non-retired starts collapsing.