If you want a retirement fund or if you want to secure your future then buying bitcoin or collecting it while you can is the best option for you to have a secured financial future state. Most of the people are putting their bank account savings in bitcoin because they believe that bitcoin has more potential than the interest which is very low in banks.
The only problem is the unpredictability of BTC prices. The trend is increasing, but how long? With banks is similar, we are not sure that after 20 years the bank has our money.