If you're right, you can set up a pension account. In my country, people who work in a government entity have their pension guaranteed, but nevertheless, those who wish to register can register with a private security company and authorize said company to deduct a monthly payment from their salary.You can setup a personal pension fund, which is different from the one that the organization where you work have already setup for you. I have seen lots of people open a different pension fund account, and placed a monthly debit instruction on their salary account, and their account gets debited every month while the pension fund account is credited.