Some say thus: " who took and retained, saved for old age " which is a tautology because it is obvious you saved for old age; in old age he had is why had and retained; If it did in old age it is because he not withheld or did not. It cannot be otherwise.On the other hand " who had retained and saved for old age " It indicates that it is always something of what was taken, which is not a tautology.
