Could it be that paving gravel has become much more expensive? I only find offers >100 EUR /t and I think it was significantly less in spring?
Where are you looking? I find it hard to believe that simple gravel 2/5 at the gravel plant now costs 100€. In any case, I paid much less in September, back then it was 2 trailers of concrete gravel, 1 trailer of gravel 2/5 and one trailer of gravel 1/3 for 80€. Total amount about 4.5 tons.
So involve company profits in the pension. But this can only be done on the stock market with companies that also place products (bonds/shares) there. Alternative?
Yes, of course it’s not perfect. There are some large companies that are not listed on the stock market. Most of them issue bonds though. At a certain size, you don’t just go to the bank anymore. The scheme is not supposed to replace taxation but merely supplement it. Because capital gains can also be tapped very easily worldwide. And that is the advantage that always gets lost in the discussion. There is a reason why the Norwegian sovereign fund invests everywhere except in its own country. You make yourself somewhat independent of the economic development in your own country.