Anybody who is depending on pension to survive after retirement will be frustrated. Considering the rate of inflation and the loss of value to fiat, the earnings will not be enough to cover expenses. These days there are many oppurtunties to invest in th crypto industry that requires little money and knowledge. There are some pension fund managers who have diversified thier investment into crypto and thier has help pensioners to gain from it. However, it will be better for workers to invest directly instead of relying on pension managers who give give them peanuts from thier investments.
With how things are expensive now depending on pension alone is a big financial mistake because that money will not feed you for ever because the rate at which the prices of things are going up, fiat keep losing value just because of inflation and this is something everyone knows but making a choice is now another thing and is not as if there is increase in the pension so this are part of the reasons why eve with the pension a provision for retirement should have been put in place this are like the best option to explore so as to be more financially independent in this kind of economy.
And even before retirement crypto can be invested in gradually untill you are retired and also some physical investment can also be added, because that period you won't just rely on pention alone because those doing that are finding it very hard financially, so th issue of investing before retirement will help everyone better because it's not looking as if things will get better soon with the way the price of things keep increasing its hard for the price of a commodity to go hope and then come down.