retirement plan

Q: Our company has taken out a Sharia Compliant Retirement Annuity for the staff. The company pays the full contribution and it is included as a benefit on our annual salary. Staff have a choice of also contributing extra to this RA , some contribute an extra 3% to 6% of their salary to the RA voluntarily. I do not contribute anything extra towards this. (from next year it is going to be compulsory for everyone to contribute extra from their salaries) The rules of the RA are , if I leave the company I can cash out the RA but will only receive 60% of its value because 40% will go as taxes. Or I can reinvest the whole amount. Please advise if I have to pay zakaat on the value of this RA?

Q: Is Retirement Funds /Provident Funds etc.for Islamic Institutions towards Imams/Islamic Teachers/Muezzins/Apas permissible In Islam. Not forgetting elements of interest or their funding partners whether Halaal.

Q: When I started working, I took out an educational plan for my children. However, they misinterpreted my plan for a retirement plan. Am I allowed to use the money from this retirement plan even though the intention was for an educational plan?