I cant see retirement being a thing much longer unless you can fund it yourself. Pension age has been drawn out to 67 here in Australia and there is talk of extending that to 70 soon enough! I cant see pensions being available in the future as our country has never saved for them - Its just been a Ponzi Scheme! They have known about this since the 70’s and not done a damn thing savings wise!
I think it’s better that you save for yourself, provided that your country’s tax and business climate allow for such. Here in America, our House of Representatives (the lower House of our Congress) is working on a bill extending the period which we can contribute to our 401(k) plans (named after the section of tax code allowing it) from age 70.5 to 72 before we have to withdraw from them. Also, we will be allowed to simultaneously save into them while withdrawing from them for some years past 72, should Congress pass the bill, and should our President sign it into law.