In any case, I believe that one should always keep an eye on one's finances, and not try to let things drift away. This applies to both investments and savings, including pension savings. I am studying the issue of retirement savings myself, here https://zashita.co.il/proverit-pensionnye-nakopleniya-v-izraile/ I read, it just seems to me that it is better to initially know and control how much money is in the retirement account, than to spend a lot of nerves on it later