I was not sure if Employment or this room was the right place for this thread.
Soon or Later I will leave my current company. They provide a Pension Scheme.
They put some money on their own in their Pension Funds and I can put small part of my salary there. By the way this Funds has a kind of guaranteed gain percentage which decrease year after year as much as you approach the retirement age.
I still did not asked directly but from other colleagues who talked with HR, it looks like that there is no way to cash out these money (for sure the ones put by the company) or move them to another COmpany Pension FUnd.
Before going to talk to HR I want to try to be prepared about what are my rights.
Is what above true ? Does this means that if I change company, assuming the new one will have a Pension Scheme, I will just keep collecting piece of small pensions from each company ?
ANd what happen if I join a company which is not providing any pension scheme ?
I was thinking to just put XXX euro each month in an ETF World, as an alternative. Afterall I am still around 20 years far from my retirement.
Generally speaking how to be sure to build a decent integrative pension in the case of a person who change employer each X years ?