pension plan

1. N-COUNT A pension plan is an arrangement to receive a pension from an organization such as an insurance company or a former employer in return for making regular payments to them over a number of years. 养老金计划[商业]

I would have been much wiser to start my own pension plan when I was younger. 我要是更年轻的时就开始我自己的养老金计划就明智得多了。