Locking funds till you reach the retirement age. That's risky and safe at the same time. Why would anyone want to to lock the funds , if he/ she cannot use it in the times of need. But yeah in a way , a future planning is happening.
But that's exactly what pretty much what everyone does as a retirement account or with their pension for example. People save because they need to as when they retire they wont have any money otherwise. Sure, keeping your money in bitcoin is risky but so is keeping it in a pension or in your bank in some cases. I think putting some money into bitcoin could pay dividends by the time you retire but nothing is guarnteed.
Nothing is guaranteed that is for sure But having bitcoin as a retirement account is an good idea as you can withdraw your bitcoins whenever you need. I think it is better then the pension plans or fixed deposits where you have locking period and you cannot withdraw unless it gets matured and if you withdraw when it is pre-mature then banks charges heavily on it.