The problem with traditional pension schemes in Europe is they are mostly not portable - i.e. if you start saving in a scheme in Estonia you can't continue with it if you move to Ireland and vice versa.  There’s a new Pan-European Personal Pension Product or PEPP being rolled out across Europe which gives that portability.  Tamara Vrhovec Sekáč, is the International Business Expansion Manager at Finax which provides the platform for such pensions.