Well Sleepless

From what you have written it seems that companies in Denmark and the Faroe Islands are encouraged to have a pension fund where both employee and employer are encouraged to contribute to.

Most UK companies were like that in the recent past but companies now put their pension funds in the stock exchange, therefore the employee does not know, until he or she retires, what will be in the pension pot.

Gambling with your retirement is not what most people want but it's what they are now going get.



UK Bob