have no idea what these three terms are, but i guess they are 401k or pensions with different parameters. if so, just refer to discussions on 401k and pensions on the internet (tons and tons of). i gather, in the US, it's basically either 401k or pension.
self-management is defined-contribution plan,where you take all the benefit/ risk. The other two are defined-benefit plan, where the school takes all the benefit/risk. 看你是不是自己喜欢管理自己的退休金。据我听说大多数人喜欢第一种,比较透明,但 所有风险自己承担。