In view of the long investment horizon, in most cases you will be better off with securities than with an account solution. With securities savings, you have the advantage that your money moves with the financial markets. With retirement savings, the aim is not to achieve high profits quickly, but to build up assets for retirement over the long term. In the long term, stock market prices generally move upwards. If you have an investment horizon of 5-10 years or more, you are very likely to increase your assets with securities - taking into account any turbulence on the stock market in the meantime.