Hi there, if you're saving your savings in the bank (Interest rates at 0.05% generally), i would recommend getting a savings plan or a long term investment plan to growth your wealth. Savings plans are at generally at 3% interest and investment plans can have interest as high as 10% or higher (after deductions of all charges). But you should be aware of the inflation rates figures (e.g: 6% inflation for poly fees yearly), the number of years to your retirement and the amount of money you need to save for your future plannings. Currently i might have something that could help you achieve your goals as well as achieve your retirement needs. If you're interested feel free to FB message me. I would be glad to share what i have with you and add value to you. Disclaimer, i'm not an insurance agent.