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. 養老金計劃[商業]

I would have been much wiser to start my own pension plan when I was younger. 我要是更年輕的時就開始我自己的養老金計劃就明智得多了。