Key aspects of saving money so you can live a decent life when you get old:

1. Start saving as soon as possible, a few years will give a large difference on the total value of your pension and monthly payouts.
2. Take higher risk when you are young, and minimize the risk as you are getting closer to your retirement.
3. Be aware of your risk exposure, inflation is one of the factors that eats into your fortune in the long term.
4. Consider increasing your pension savings today.