Where I am there's actually a %-age of your salary/wage that's "returned" to you when you retire. You don't get a choice. You can choose to contribute to an em

Where I am there's actually a %-age of your salary/wage that's "returned" to you when you retire. You don't get a choice. You can choose to contribute to an employer-match scheme (I do) or even fund your own pension account with monthly payments to a pension provider. But these are in addition to the above forced pension.