Yes, we know, when you're young it's hard to think about retirement. You have other things on your mind. However, I'm sure you've heard around (or at least on social media) about many older people who "can't make it in retirement". That's why, in addition to investing, it's a good idea to transfer some of your excess income directly to your future. You can make do with a state-insured pension: you pay contributions for current pensioners now, and others will pay into your pension when you retire. But it might be safer not to rely on others and pay for yourself right now. You can do this through a private pension fund. Whether you choose pillar 2 (mandatory private pension) or/and pillar 3 (voluntary private pension), the people who manage your money invest it to produce a return. So think now about what you want your life to look like in retirement.