An individual-type defined contribution pension plan in Japan where individuals contribute and manage funds for their retirement; commonly called iDeCo.
毎月、個人型確定拠出年金（iDeCo）に積み立てている。
I contribute to my individual defined-contribution pension plan (iDeCo) every month.
個人型確定拠出年金は税制上のメリットがあるが、原則60歳まで引き出せないという制約がある。
iDeCo has tax advantages, but funds are generally not withdrawable until age 60.
会社の退職金だけでは不安なので、個人型確定拠出年金の加入を検討している。
I'm considering joining an individual defined-contribution pension because I'm uneasy relying only on company retirement benefits.