What? Have you ever participated in a criticism of capitalism before? Capitalists are by definition people who own and profit from private property (which includes things like small businesses, large businesses, land that is rented out, etc, and does not include things such as your personal home, your car, your laptop). All the people you listed are likely not capitalists in any sense, other than your simplistic analysis that anybody who lives in a capitalist society is a capitalist.
Those people that you all mentioned are the working class. They are the people who are obligated to trade their time in labor for wages which are used (usually 100%) to pay for their own needs such as food, housing, and savings for retirement, which will also be spend of food and housing, just later in life.
Pension funds (as far as I know, please correct me if I'm wrong) are financial instruments which are meant to be used for future consumption during retirement. They are not financial investments that are used to generate more capital. This makes them distinct from capitalist investments which are used for the purpose of increasing their capital wealth, most of which is unable to be consumed.
Those people that you all mentioned are the working class. They are the people who are obligated to trade their time in labor for wages which are used (usually 100%) to pay for their own needs such as food, housing, and savings for retirement, which will also be spend of food and housing, just later in life.