Your socio-economical status should respond to this style of saving.
You are at the limit of middle age with at least average income and higher education. Your work ensures you the sufficient financial guarantee, so any massive fluctuations in value of savings do not influence your good sleep.
You probably will not be afraid of risking your capital on financial markets. In terms of risks you are well aware of volatility of value of your savings in time. This situation is connected to need of acceptance of higher losses in short-term period and maybe in medium-term period. You believe that risk investments are connected to higher income in long-term horizon.
You know that increasing the savings is not only the matter of development of financial markets, but also low fees for administration of savings.
In the system of retirement savings, you invest your savings to Index retirement fund passively.