Well, I'm a gov't worker but I put down stocks/bonds etc.
Although I do count my pension income in my long term income/expense retirement projections, I don't usually count it as part of my net worth. Obviously this can be debated (as it has repeatedly on these boards). I have 15 years in the gov't and plan to leave at 30 years in, which would give me full pension, but who knows? I want my NW # to hopefully keep going up (market fluctuations notwithstanding), and not have it fluctuate if I decide to leave my job (since I'd only leave with a really good reason). I don't mind adjusting the income #s in my spreadsheet, though.
Karen