I just received an overview of the pension I collected so far. I am still young so the numbers are understandably low so far. However, I feel like the overview really shows what they have in stock for the younger generations when we will let them.
They showed a “current” situation, a “beneficial stock market” scenario and a “bad stock market” scenario and surprise, surprise: in a bad stock market the value of the pension plummets. In a beneficial stock market the value is not even a cent higher than in the current situation.
Long story short: “we gamble with your money at your risk but we keep the profits to ourselves”.