The opportune time is 'before it gets too late'.When would you say, is the opportune time to start a pension and adding to it? I have started mine, and I always consider that starting as soon as possible is ideal. One of my friends on the other hand, hasn't even established his own pension. Do you think he should finally set one up? Or learn the hard way? I've told him countless times, but he never listens.
These days, people who are not civil servants still have a way of saving up something for themselves like a pension scheme, so that in the future, they can have what to depend on.