Voluntary Social Security Saving is an instrument that complements the effort of mandatory saving and is a fundamental tool for improving social security benefits at the end of the working life, or a mechanism that can contribute to bringing forward the age of retirement without damaging the pension income.

These additional voluntary contributions may be a decisive factor when retirement comes round, if one considers that situations may occur without the worker' s volition during the long period of social security saving (about 40 years), such as periods without contribution or social security gaps, unemployment or problems of under-contribution.