Similarly, if your government exempts income tax on your pension contributions, ~30% right now and "10%" p.a. is probably the best expected return you'll make.

Similarly, if your government exempts income tax on your pension contributions, ~30% right now and "10%" p.a. is probably the best expected return you'll make. Even better, if your employer matches pension contributions, 100% right now is just about unbeatable. Of course if you don't believe your pension will be around for you when you retire, perhaps you might disagree.