Every month, your employer transfers Bitcoins into a time-locked address that can't be transferred out before you reach retirement age. You have the key to the address. You can verify the transfer on the blockchain.
No middle-men. No funny business. No brokers with pyramid/eyeball shaped logos. No "oops we went bankrupt and lost your retirement." No bail-ins. No raising the age of retirement.
Just Bitcoin.
Good idea. But if during this period appear a very good option to invest that bitcoins what must to do? It is better to use your option or the normal one when the bitcoin can be stored in an normal wallet when can be managed by the interested person in the way he think must be the best? I am for the second. I am able to not spend my bitcoin in vain and to save them only for the safest investment. So why don't use my own normal wallet?