It's only the eighties and nineties. If you want to really relieve your pension pressure, you shouldn't just rely on this pension fund. Instead, we should use our youth to reduce some unnecessary expenses in our lives as much as possible and let ourselves have some savings as much as possible. Although your savings may face the pressure of inflation, at least it can be a good supplement and assistance to your old-age care. This so-called personal pension fund is only a diversified attempt to provide for the aged, and it needs to be tested by practice. For the post-80s and post-90s generation, if we take out a small amount of money to try it, maybe we should remember not to put all our eggs in the same basket, expecting such a personal pension to have a stable income. Obviously, it is unrealistic to work hard and save money when you are young.

Personal pension is not guaranteed, nor can it guarantee stable profit. The reason for saying this is that individual pensions belong to funds, and fund investment is definitely risky.