Pondering my future

[kuma]

Another voice saying voluntarily pay national pension contributions till 65th birthday.

I’d personally get in there with iDeCo immediately too (before 60th birthday, and application takes time...) as the tax benefits are excellent. Keep an eye on the iDeCo chat on this forum as a recent poster stated that those in the system and paying before 60 would be able to restart contributions once the age limit is extended to 65. So you’d prob get a few years of a very tax efficient investment which could be made in global index funds. The length of contributions affects the age at which you can access the funds.