Saving for the future
The convenience of this type of financial product is clear, in that the low birth rate, higher life span and the serious doubts over the state of the social security system in a couple of decades time, all point to the need to save for the future as a means of complementing the state pension. 

Nowadays, in these times of economic uncertainty, few can deny feeling nervous about the weekly falls in pension plan funds as a result of stock market crashes. Little by little, the profitability of future pensions is being affected by the stock market crisis. Faced with such a situation, the most conservative analysts advise their clients to move their savings to fixed rate funds, at least until the current situation improves. On the other hand, some experts advise pension plan participants to invest in the market because stocks are far cheaper now than a few months or even years ago. Once in possession of a good shares portfolio, the investor can take full advantage of the predicted market rise.

Between these two proposals are the analysts who suggest taking up mixed pension schemes that combine the two types of interest rates.