<prompt> Human: Hey personalfinance! Ive been lurking for a bit but recently needed some help deciding about a retirement plan. Financial position: Im 20, currently working part-time through college, fortunate enough to have gotten a full scholarship. I make between 11-12Kyear, currently saving 5 in a Roth 401k. Paid weekly. Building an emergency fund, currently at 2,000 and I try to put at least 50 in that a week. Small balance on my credit card, but I have 0 APR until August 2015My employer offers two options:A Pension - After 5 years, theyll pay out 100 a month upon retirement. Goes up about 20-25 per year with the company up to a max of 1,120 or so. They take 7 per hour for the first 5 years, after that the company makes the contributions for you.B 401k - Currently putting 5 in a Roth, so about 15-20 a week. After 1 year, company matches 75 of the first 4 contributed, up to 3 of total yearly pay all funds are vested immediately. I start getting matched next month. ER seems to be .12. There are a few alternatives which I can post if needed.So what Im trying to figure out is, which of these would be more beneficial upon retirement? I plan to work within the company for quite some time.  <response>: The 401k is infinitely better. 