Editing Pension fund (section)

==By country==

===Australia===
{{Main|Superannuation in Australia}}

====Government====
* [[Commonwealth Superannuation Scheme]] (old scheme for [[Australian Public Service|federal civil servants]])
* [[Military Superannuation and Benefits Scheme]] (current scheme for [[Australian Defence Force|Australian Defence Force personnel)]]
* [[Public Sector Superannuation accumulation plan]] (current scheme for federal civil servants)
* [[Public Sector Superannuation Scheme]] (old scheme for federal civil servants)
* [[State Super]] (for [[New South Wales]] [[States and territories of Australia|state]] civil servants)

====Industry (not-for-profit)====

* [[AustralianSuper]]
* [[AustSafe Super]]
* [[CareSuper]]
* [[Cbus (superannuation fund)|Cbus]]
* [[Energy Super]]
* [[FIRSTSUPER]]
* [[HESTA]]
* [[Hostplus]]
* [[legalsuper]]
* [[LUCRF Super]]
* [[Media Super]]
* [[MTAA Super]] (Spirit Super)
* [[NGS Super]]
* [[REI Super]]
* [[Rest Super]]
* [[TWUSUPER]]
* [[UniSuper]]
<ref>{{Cite web|url=https://www.industrysuper.com/choose-a-fund/|title=Choose an Industry SuperFund|website=Industry Super}}</ref>

====Private====
* [[ANZ Australian Staff Superannuation Scheme]] (for employees of [[ANZ Bank]])

===Brazil===

* Aceprev
* Baneses
* Banesprev
* Centrus
* FAPES
* Forluz
* Funcef
* Fundação Banrisul
* Fundação CESP
* Fundação Itaubanco
* Petros
* PREVI – Caixa de Previdência dos Funcionários do Banco do Brasil<ref>http://www.previ.com.br Official Website of PREVI</ref> (the closed private pension fund for employees of the Brazilian federal government-owned bank)
* Sistel
* Valia

===Canada===

====Government====
* [[AIMCo]]
* [[Alberta Pensions Services Corporation]]
* [[British Columbia Investment Management Corporation]] (BCIMC) 455
* [[Caisse de dépôt et placement du Québec]]
* [[Canada Pension Plan]] (investments directed by the [[Canada Pension Plan Investment Board]])
* Healthcare of Ontario Pension Plan (HOOPP)
* [[Ontario Teachers Pension Plan]]
* [[Ontario Municipal Employees Retirement System]]
* [[Public Sector Pension Investment Board]] (PSP Investments)
* [[OPTrust|OPSEU Pension Trust]] (OPTrust)
* [[Ontario Pension Board]] (OPB)
* [[TTC Pension Plan]] (TTCPP)
* [[University Pension Plan]] (UPP)

====Private====
* [[Colleges of Applied Arts and Technology Pension Plan]] (CAAT)
* [[Boilermakers]] Pension Fund Trust
* Labourers' Pension Fund of Central and Eastern Canada ([[LIUNA]])
* [[Teamsters]] Canadian Pension Plan
* Telecommunication Workers Pension Plan
* [[UFCW]] Canadian Pension Plan

===Chile===
* [[AFP Modelo]]
* [[Chile pension system]]

===China===
* {{Interlanguage link|Social Security Fund (China)|zh|3=社會保障基金 (中國)}} – managed by [[National Council for Social Security Fund]]

===Czech Republic===

* Pension funds form the third pillar of the Czech Republic's pension system<ref>{{Cite web|url=https://www.mfcr.cz/cs/financni-trh/soukrome-penzijni-systemy/iii-pilir-doplnkove-penzijni-sporeni-a-p/zakladni-informace|title=Základní informace|website=Ministerstvo financí ČR}}</ref> and allow people to invest regularly and voluntarily over the long term with state support and tax relief.

====Penzijní připojištění (Pension Plan, PP)====
Source:<ref>{{Cite web|url=https://www.fondee.cz/blog/jak-funguje-penzijko|title=Vše o penzijním spoření: jak funguje penzijko a kolik stojí? – Fondee blog|website=www.fondee.cz}}</ref>
* Pension Plan could be negotiated until the end of 2012. These funds are called "Transformed Funds" (TF). These carry a guarantee of non-negative appreciation in each year of saving. Therefore, their investment strategy is also conservative and based on investing in bonds and money market instruments. The fund credits appreciation only once a year.
* The client does not hold any unit certificates or pension units, but, on the basis of the funds invested, state contributions and, where appropriate, employer contributions, holds a share in the fund's assets, which appreciate in value over time and are completely separate from the pension company.

====Doplňkové penzijní spoření (Supplementary Pension Savings, DPS)====
Source:<ref>{{Cite web|url=https://www.apscr.cz/doplnkove-penzijni-sporeni/|title=Doplňkové penzijní spoření &#124; Penzijko &#124; DPS &#124; Spoření na penzi}}</ref>
* Supplementary Pension Savings have been available since the beginning of 2013. They operate on a similar principle to unit trusts, except that they are set up by pension companies and the client receives pension units instead of unit certificates.
*The main difference from the client's point of view is the possibility to choose the investment strategy of their savings. The three main strategies are:<ref>{{Cite web|url=https://www.nn.cz/poradna/penze/fondy.html|title=Penzijní fondy &#124; NN Penzijní společnost}}</ref>
** Conservative funds – a strategy suitable for clients who wish to invest safely in money market instruments.
**Balanced (mixed) funds – a strategy suitable for clients who wish to take advantage of investing in government bonds and stocks within a single fund.
**Dynamic funds – a strategy suitable for clients who wish to invest exclusively in stocks and expect high returns that beat inflation. In this case, a high risk of volatility must be taken into account. This risk can be mitigated by regular savings.

====Dlouhodobý investiční produkt (Long-term Investment Product, DIP)====
*As of 1 January 2024, a long-term investment product was launched, thanks to which it is possible to invest in shares, bonds or investment funds. In the context of Pension Plan (in Transformed Funds) or Supplementary Pension Savings, you can only invest in participatory funds offered by the pension company. You have no control over how the pension company handles the money you invest. In contrast, in Long-term Investment Product you can set up your investments as you see fit and you can change the composition of your investments over time.<ref>{{Cite web|url=https://www.mesec.cz/clanky/vse-o-dip-jak-presne-funguje-a-kde-si-ho-uz-muzete-sjednat/|title=Vše o DIP: Jak přesně funguje a kde si ho už můžete sjednat?|first=Ivana Bondareva|last=Dubnová|website=Měšec.cz}}</ref>

===Greece===

====Government====
* Public Employees Pension Fund<ref>{{Cite web|url=https://www.mtpy.gr/|title=ΜΕΤΟΧΙΚΟ ΤΑΜΕΙΟ ΠΟΛΙΤΙΚΩΝ ΥΠΑΛΛΗΛΩΝ &#124; Μ.Τ.Π.Υ.}}</ref>

====Private====
* [[TAPILTAT]], the Fund for Mutual Assistance of the Employees of Ioniki Bank and Other Banks, the multi-employer auxiliary pension fund

===Hong Kong===
* [[Mandatory Provident Fund]] Scheme (MPF Schemes)<ref>{{Cite web |url = https://www.mpfa.org.hk/en|title = Official website of Mandatory Provident Fund Schemes Authority}}</ref>
* Occupational Retirement Schemes (ORSO Schemes)

===India===
* [[Employees' Provident Fund Organisation]] – a statutory social security body of the [[Government of India]] that administers a mandatory defined-contribution Provident Fund Scheme, Pension Scheme and a death/disability Insurance Scheme. Provident Fund is applicable for employees across all non-government establishments (private as well as state-owned companies and public sector banks). EPFO is the largest social security organisation in [[India]] with the total fund size being well over {{INR}} 18.30 lakh crore (US$220 billion) as of 2023.<ref>[https://pib.gov.in/PressReleaseIframePage.aspx?PRID=1985028]</ref>
* [[National Pension Scheme]] – a defined-contribution–based pension scheme launched by the [[Government of India]] open to all citizens of [[India]] on a voluntary basis and mandatory for the employees of central government (except [[Indian Armed Forces]]) who are appointed on or after 1 January 2004. Indian citizens between the age of 18 and 70 are eligible to join.<ref>[http://www.pfrda.org.in/ PFRDA]</ref>

===Iran===
*[[Civil Servants Pension Fund]] Iranian Social Security

===Japan===
*See [[Japan Pension Service]]
* [[Government Pension Investment Fund, Japan]] (GPIF, 年金積立金管理運用独立行政法人)

===Malaysia===
* [[Employees Provident Fund (Malaysia)|Employees Provident Fund]] in Malaysia, known as Kumpulan Wang Simpanan Pekerja (KWSP), is a government-managed retirement savings scheme. It provides financial security for private sector employees and non-pensionable public sector employees upon retirement. Both employees and employers make mandatory contributions to the fund throughout the employee’s working life.
The contributions are invested by the EPF in various sectors, such as equities, bonds, and property, to generate returns. Members can withdraw their savings under specific conditions, such as retirement at the age of 55, for healthcare, housing, or education. The EPF also allows partial withdrawals before retirement for certain approved purposes. It has total of around 265 billion USD of asset under management as of end 2023.)<ref name="btimes1">{{cite web |url=http://www.btimes.com.my/Current_News/BTIMES/articles/epf07/Article/index_html |title= ECENTRAL|website=www.btimes.com.my |archive-url=https://web.archive.org/web/20101102042855/http://www.btimes.com.my/Current_News/BTIMES/articles/epf07/Article/index_html |archive-date=November 2, 2010}}</ref>

*[[Retirement Fund (Incorporated)]] is Malaysia’s public sector pension fund. Established in 2007, its primary role is to manage and invest funds for the retirement benefits of public sector employees, ensuring the sustainability of pensions. KWAP receives contributions from the government and various statutory bodies, which it invests in various assets, including equities, fixed income, and real estate, to generate returns that support pension payouts. It has total of around 40 billion dollar of assets under management as of end 2023. <ref>{{Cite web|url=https://www.kwap.gov.my/media-centre/kwap-fund-size-grew-to-rm169-8-billion-an-increase-of-rm11-7-billion-in-2023/|title=KWAP Fund Size Grew to RM169.8 billion, an increase of RM11.7 billion in 2023 Title|date=October 13, 2024|access-date=October 13, 2024}}</ref>

*[[Armed Forces Fund Board]]

===Morocco===
* [[Caisse de dépôt et de gestion]] 
* [[:fr:Caisse marocaine des retraites|CMR]] {{in lang|fr}}

===Nepal===
* [[Employees Provident Fund Nepal]]

===Netherlands===
* [[Stichting Pensioenfonds ABP]] (ABP)
* [[Stichting Pensioenfonds Zorg en Welzijn]] (PFZW, formerly PGGM)

===Norway===
* [[Government Pension Fund of Norway#Government Pension Fund Global|The Government Pension Fund – Global]] (Statens pensjonsfond – Utland)
* [[Government Pension Fund of Norway#Government Pension Fund – Norway|The Government Pension Fund – Norway]] (Statens pensjonsfond – Norge)

===Oman===
* [[Social Protection Fund]]

* Military and Security Services Pension Fund

===Romania===
The pension system in Romania is made of three pillars. One is the state pension (Pillar I – Mandatory), the second is a private mandatory pension where the state transfers a percentage of the contribution it collects for the public pension, and the third is an optional private pension (Pillar III – Voluntary). The Financial Supervisory Authority – Private Pension is responsible for the supervision and regulation of the private pension system.<ref>{{Cite web |title=C.S.S.P.P. (ro) - Comisia de Supraveghere a Sistemului de Pensii Private |trans-title=Private Pension System Supervisory Commission |url=http://www.csspp.ro/ro/ |url-status=dead |archive-url=https://web.archive.org/web/20061106005529/http://www.csspp.ro/ro/ |archive-date=2006-11-06 |access-date=2024-07-22 |website=www.csspp.ro |language=ro}}</ref>

===Saudi Arabia===

* [[General Organization for Social Insurance]]

===Serbia===
*The pension system in Serbia is made of three pillars. One is the state pension (Pillar I – Mandatory), where every insured person is obliged to pay contributions from their paycheck, the second is a voluntary state pension, where an uninsured person is voluntarily included in state pension system, and the third is an optional private pension (Pillar III – Voluntary).<ref>{{Cite web |url=http://pio.rs/eng/ |title=Pension and Disability Insurance Fund of the Republic of Serbia – Republički fond za penzijsko i invalidsko osiguranje Republike Srbije |access-date=2019-05-07 |archive-date=2019-05-07 |archive-url=https://web.archive.org/web/20190507135359/http://pio.rs/eng/ |url-status=dead }}</ref>
*[[Pension and disability insurance fund]]

===Singapore===
* [[Central Provident Fund]]

===Sri Lanka===

* [[Employees' Provident Fund (Sri Lanka)]]
* [[Employees' Trust Fund]]

===Switzerland===
* [[Pension system in Switzerland]]

===Turkey===

====Government====
* [[Sosyal Güvenlik Kurumu]] (Social Security Institution, SGK)

Social Security Institution was established by the Social Security Institution Law No:5502 which was published in the Official Gazette No: 26173 dated 20.06.2006 and brings the Social Insurance Institution, General Directorate of Bağ-kur and General Directorate of Emekli Sandığı whose historical development are summarized above under a single roof in order to transfer five different retirement regimes which are civil servants, contractual paid workers, agricultural paid workers, self-employers and agricultural self-employers into a single retirement regime that will offer equal actuarial rights and obligations.

====Private====
* Armed Forces Pension Fund<ref>{{Cite web|url=http://www.oyak.com.tr/EN/corporate.html|title=Armed Forces Pension Fund|access-date=2014-08-16|archive-date=2017-10-22|archive-url=https://web.archive.org/web/20171022120358/http://www.oyak.com.tr/EN/corporate.html|url-status=dead}}</ref> 
[[OYAK]] (Ordu Yardımlaşma Kurumu/Armed Forces Pension Fund) provides its members with "supplementary retirement benefits" apart from the official retirement fund, T.C.Emekli Sandığı/SSK, to which they are primarily affiliated. In addition to the retirement benefit, OYAK pays "disability benefits" to the members on duty when they become partially or fully disabled as well as "death benefits" to the heirs of the deceased member if the death occurs during the member's subscription to the foundation. OYAK is incorporated as a private entity under its own law subject to Turkish civic and commercial codes. OYAK, while fulfilling its legal duties, as set in the law, also provides its members with social services such as loans, home loans and retirement income systems. The initial source of OYAK's funds is a compulsory 10 percent levy on the base salary of Turkey's 200,000 serving officers who, together with 25,000 current pensioners, make up OYAK's members. Some other Turkish private pension funds:

* YAPI ve KREDİ BANKASI A.Ş. Mensupları Yardım ve Emekli Sandığı Vakfı
* AKBANK T.A.Ş. Mensupları Tekaüt Sandığı Vakfı
* TÜRKİYE GARANTİ BANKASI A.Ş. Memur ve Müstahdemleri Emekli ve Yardım Sandığı Vakfı
* TÜRKİYE ODALAR BORSALAR VE BİRLİK PERSONELİ SİGORTA VE EMEKLİ SANDIĞI VAKFI
* TÜRKİYE İŞ BANKASI A.Ş. Mensupları Emekli Sandığı Vakfı

===United States===
In the United States, pension funds include schemes which result in a deferral of income by employees, even if retirement income provision is not the intent.<ref>[https://www.law.cornell.edu/uscode/text/29/1002- 29 USC § 1002 – Definitions | Title 29 – Labor | U.S. Code | LII / Legal Information Institute]. Law.cornell.edu. Retrieved 2013-07-18.</ref> The United States has $19.1 trillion in retirement and pension assets ($9.1 trillion in private funds, $10 trillion in public funds) as of 31 December 2016.<ref>[https://www.federalreserve.gov/releases/z1/Current/z1.pdf#page=108 Federal Reserve Statistical Release, Financial Accounts of the United States, Fourth Quarter 2016] {{Webarchive|url=https://web.archive.org/web/20180104195138/https://www.federalreserve.gov/releases/z1/Current/z1.pdf#page=108 |date=2018-01-04 }}, see pp.94–99. Values as of December 31, 2016. [[Federal Reserve Board of Governors]]. Reported March 9, 2017. Retrieved May 18, 2017</ref> The largest 200 pension funds accounted for $4.540 trillion as of 30 September 2009.<ref>{{Cite web |url=http://www.pionline.com/apps/pbcs.dll/section?djoPage=chart&category=datajoe&pgTitle=Plan+sponsors&djoPid=13420&djoYear=2010&djoPY=%40pu5b2KVeogeE&djoParentId=887&djoPgTitle=Plan%20sponsors%202010%20%2A%20The%20top%20200%20pension%20funds%2Fsponsors |title=P&I Online |access-date=2010-07-17 |archive-url=https://web.archive.org/web/20111001012957/http://www.pionline.com/apps/pbcs.dll/section?djoPage=chart&category=datajoe&pgTitle=Plan+sponsors&djoPid=13420&djoYear=2010&djoPY=@pu5b2KVeogeE&djoParentId=887&djoPgTitle=Plan%20sponsors%202010%20*%20The%20top%20200%20pension%20funds%2Fsponsors |archive-date=2011-10-01 |url-status=dead }}</ref>

====Government====
{{Main|Public employee pension plans in the United States}}