I'm sure it's fantastic to get a 'bonus' every 6 months, but these government mandated '13th/14th paycheck' schemes are really just employer-managed savings pla

I'm sure it's fantastic to get a 'bonus' every 6 months, but these government mandated '13th/14th paycheck' schemes are really just employer-managed savings plans. Personally, I'd prefer to get my salary as I earn it and decide for myself how and when I spend or save it.