I have subscribed to a pension plan; is there zakat on pension funds?

If subscribing to a retirement system with a non-governmental entity, it is a form of maysir (definition) (gambling/speculation) due to the possibility of the subscriber receiving more or less than what they paid. However, subscribing with governmental entities might have a different ruling, as the government or Bayt al-Mal (public treasury) is responsible for spending on the populace. The retirement pension is not subject to zakat (definition) because it cannot be withdrawn except under specific conditions, making it like a debt owed by an insolvent person. But if it is received, it is more cautious to pay zakat on it for one year.