In Australia, pensions are government issued, but relatively low paying. Superannuation (similar to a 401k) is paid by your employer as a percentage of your pay each year, but generally managed by a dedicated superannuation company. Those companies can and have gone bust, taking their payees funds with them
In addition to the federation issues, make sure your language settings are correct. If you haven’t included both your spoken languages and “Undetermined” in the language settings, then the UI will not display posts for the options you’re missing