Decaying pension system is a valid point but I am able to save quite a bit in ETFs working in DE so don’t see that as the biggest issue.

But you would be able to save a lot more for your own retirement if you didn’t have to contribute to the bankrupt Ponzi system. In addition, 25% of the total tax intakes are used to subsidize the pension system, at the cost of investment in the country.

I might be paranoid, but the way the confiscatory government behaves, I wouldn’t be surprised if there is some flat tax in the future on people that have saved wisely (in ETFs or whatever). All in the name of SoLiDaRiTy of course.