We find that despite many similarities, there are also important differences. These relate in particular to differences regarding communication about risks and returns, rules and regulations, and supervision. We also present results from a case study, where pension holders were given the chance to shift from a low-risk product to a higher-risk product. Young male economists in big cities with low guarantees and low pension wealth are more likely to give up guarantees. We end out drawing lessons that are relevant for the future discussions in Denmark, The Netherlands, and other countries.