To what extent is the matter mentioned in Fatwa no. 63524 permissible or forbidden, and can the relationship between the question and the answer in that fatwa be clarified?

It is not correct to rule on savings and pension funds with a single judgment; rather, the reality of each fund must be examined. A cooperative fund that adheres to Sharia controls is permissible, while a fund based on something other than cooperation and mutual support is forbidden. To determine the ruling on a specific fund, one must examine the form of its contract and its activities.