When Saori Ito went on maternity leave last year and stopped getting a regular paycheck from her cosmetics company, she became worried about her future ¡ª and wondered if this kind of anxiety is what awaits her after retirement.

The 34-year-old married mother of a 1-year-old girl had doubts about the government¡¯s ability to fund retirement for Japan¡¯s growing ranks of elderly in the world¡¯s oldest population.

So she set up a private, self-managed pension account.