Currently the world is in a low interest rate environment, that is good for borrowing money, but not good for savings. The result is that a lot of savings have fled into the stockmarkets to get dividend returns from share ownership. IF interest rates begin to rise all the BUBBLE money will flow out of the stockmarkets. If you are investing in shares/stocks be very careful. Also, the EU is coming around to the QE, quantitative easing idea, which is basically a fancy word for printing more money. Printing lots of money is good...until you get too much money, then its not good, because it devalues the currency. It can also cause inflation. Both essentially wipe out value, so you had a half million in your pension fund, now it will only buy you half of what it would before. You were going to retire on 50,000 a year, now you need a 100,000.