Oh and mizore the contributions from the public effect much more then pension or IF funds, the biggest and most important are the income tax, contributions to health and education.
But on Andy's note of them not needing to pay any interest is a little peculiar. If they don't that is absolutely zero purpose. The only disbursement anyone gets is the tiny amount they get from IF's is through the investment. If it didn't exist then all sense of profit would be redistributing back into a non-functioning IF. So everytime that is lowered you are shrinking the use of IF's farther and farther. This is contridicting to all your other efforts to make them useful. I was looking forward to IF improvements since I started but now they don't even matter, like at all! In fact as the game made me destroy my strategy I had to either change corporate tax rate or profit transfer, and though I'm against both of those things moreso corporate tax I couldn't justify handing profits over to the IF. Fundamentally flawed game mechanics on this one.
I also don't fully agree with the concept of a small market either. When you consider there is exactly 0 real life companies with a market value of 1T dollars, and exactly 0 companies with a market value anywhere near 1T dollars while SC has tons of them and are triple that. Small market? That's confusing