View with a few simple calculations as the government has year after year playing with the lives of the entire population. The pension can not be a "pyramid"; it should be a reliable and cost-effective implementation, so that we accumulated over the years the money is enough to keep the citizens in their old age.
Age is not the most important but the amount accumulated over the years.
See simple calculations it is possible to accumulate a fair amount of money simple and cost-effective applications.