To be employed by a small private company, and given the opportunity to contribute a percentage of her income to the state-provided retirement plan. The plan is managed by the government and offers a range of investment options, including mutual funds and government bonds. Sara's contributions are deducted automatically from her salary, and the employer may also contribute on her behalf. The plan guarantees a certain level of retirement income based on the contributions made over the years.

Work for a large multinational corporation, and have the option to enroll in the company's workplace pension plan. The plan is administered by a private financial institution, offering a range of investment choices, including stocks, bonds, and mutual funds. She has the flexibility to choose her contribution amount, and her employer matches a portion of her contributions.

Explain which option is better for her and what are the factors that should affect her choice?