I'm not certain, but you may not have taken into account the tax-free nature of the pension. Some pensions offer retirement medical benefits and offer inflation adjustments. I was Lucky to have fallen into a system with pension and medical benefits. The medical benefits will allow me to retire at the system's normal retirement age. The partially inflation proofed pension will help too. Be aware that many systems have a vesting period before you qualify for benefits and it is worth that extra year to ensure you are vested.
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