see thats what EVERYONE says lol

but i dont get it?!!

for example the scheme says... it will give me back 25% of my total contributions as pension salary. (well thats one of the options)
or 2% of my salary times by service so - times that up works out between 2-3k a year.
so for example.. I work 5 years into the fund goes 8500 - 25% = 2125 per year pension.

but supposing new one... work 5 years same 8500 goes in. the company puts in 8500 - interest over 40 years at say 4% gives a 65k pot at pensionable age? - therefore I'd have to last 20-30 years until the final pension scheme was better off?

or what am I missing?

(i think im only expected to live until 71 as male born in 1980 anyway??)