If you have to save, I'd probably advise against doing it through long-only pensions. In 2008 when everything was wiped out, a lot of retirees had to settle for

If you have to save, I'd probably advise against doing it through long-only pensions. In 2008 when everything was wiped out, a lot of retirees had to settle for next to nothing. I'd strongly recommend watching this video: https://www.youtube.com/watch?v=eBVx0Fw1VXo https://www.youtube.com/watch?v=eBVx0Fw1VXo It totally flipped my savings approach.