The public pension system (which, after having checked it, I see still dominates: more than half of money paid) is pay-as-you-go, the other two are funded. (Why does this count for the argument, BTW?) The mandatory occupational funds, being mandatory and occupational, methinks aren't up for choice, only the smallest element, the individual pensions are.

_{*Lunatic*, n.
One whose delusions are out of fashion.}