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Independent reps, merchandisers, drivers and makers do the same work as employees and get none of the structure around it. No pension contribution, no employer match, no automatic anything — and the gap compounds silently over a working life.
Employment carries retirement saving by default; independent work carries it only if the individual sets it up and keeps it up through irregular income. The default is doing nothing, and doing nothing for thirty years is the whole problem.
A fixed monthly contribution assumes a fixed monthly income. Independent earnings arrive unevenly, which is why a percentage of each payment is a far better fit than a schedule that has to be suspended every slow month.
It already computes and pays out earnings. Contributing a chosen share of each payout at the moment of payout is the mechanism that fits irregular income — money set aside before it is spent rather than after.
Designed, not built. Retirement products are regulated in every jurisdiction and GRAJ is neither a provider nor an adviser. The realistic role is directing a share of a payout into an operator's own arrangement, and nothing here should be read as an offer or as advice.