Why would I think about retirement?

Yes, we know, when you are young it's hard to think about retirement. You have other problems on your mind. However, you must have definitely heard around (or at least from Social Media) about many elderly people who "don't make it with their pension." That is why, besides investments, it's good to transfer a part of your excess income directly towards your future. You can be satisfied with the pension provided by the state: you pay contributions now for current retirees, and others will pay for your pension when you retire. But it might be safer not to rely on others and to pay for yourself even now. You can do this through a private pension fund. Whether you choose pillar 2 (mandatory private pension) and/or pillar 3 (optional private pension), those who manage your money invest it to generate a return. So, think now about how you want your life to look at retirement.