It pays to plan ahead for your well-being in later life and that can go beyond factoring in diet and exercise. Allocating some of your monthly wage to your private pension account each month can help you prepare to live comfortably during your retirement years, without debt or money worries. However, according to findings from True Potential Investor, a substantial percentage of women (41%) and men (30%) saved nothing towards their pension, during Q3 2016.