Pension Question

[Azbubu]

There's something that i'm confused about. They say that there is an "employee contribution" and an "employer contribution" yet they both come out of your CTC. What's the difference?

I'm not sure whether to take the pension or just use those funds in my RA or invest them elsewhere. Looking at the pension that I got out of the previous job it seems that it would have been better had I rather put those "contributions" elsewhere.

 

[guest2013-1]

I always take the cash and put it in my own contribution/RA fund. That way i'm not locked into a lengthy (and costly) process of moving my pension from one company to the other