Do I pay Zakat on a pension fund if I do not have access to it?

If you do not have any access whatsoever to this money until retirement, you are not required to pay Zakat on it until you actually have access to this wealth. However some scholars say that if the money is invested (which a pension fund likely is), then this is money one is benefiting from, and Zakat should be paid on it regardless of access. Allah knows best.