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We compare the concepts and role of occupational pension schemes and products in the pension systems in the latest decades. Under the liberal social philosophy, dominating the Czech pension policy in the nineties, occupational and social insurance schemes ought to be avoided. In high income economies the occupational pension schemes differentiated to reflect various welfare regimes and different pension gaps. The opt-out method of soft compulsion was used by neo-liberal economists and politicians to change the pension pillars and products, some countries were hit by misselling practices. Latest developments utilize the analyses of pension products and markets and the efficiency of occupational schemes' administration to define the future potential of these schemes. New workplace pensions with defined-ambition products are supported by national pension institutions, trying to reduce the overhead costs and increase the pension savings.