A pension savings fund is one way to save for your retirement. In practice, it is an investment fund that invests in shares and bonds. As you know, investment in shares and bonds means that the return of your pension savings fund is not fixed. On the other hand, the return is potentially higher than for pension savings insurance, where you receive a fixed return.
All taxpayers under the age of 65 can start putting their money into a pension savings scheme. It does not matter how many years you have been working.