Is it worth opening a supplementary pension fund now?

How much time do you have before retirement and what's your current tax situation? If you've still got quite a few working years ahead and you earn decently, yes, it's pretty worth it - contributions are tax-deductible and your balance grows tax-free over time, though fees vary quite a bit from fund to fund, so take a good look before you pick one.

It really depends on how many years you've got left working and how tight your budget is right now.

I personally started with a supplementary pension fund pretty late, and I wish I'd done it sooner. The tax deductibility is real - it's not a joke - and if you've got a decent salary the benefit is immediate. What convinced me is that you see the money growing over time without having to do anything about it, and when you get to retirement the nest egg is there. If you don't have many working years left, the benefit is smaller, but it's not negligible either.

The real question is: can you put money into it without stressing your monthly budget? Because if you have to sacrifice important stuff now for a pension that kicks in 20 years down the line, it doesn't make sense. But if you can manage to set aside even a little bit every month - like 2-3% of your salary - then it's definitely worth it. What really matters is how much time you've got ahead: the more years left, the more the math of contributions and returns works in your favor.