Not ALL pensions are bad. At the end of the day you only get out what you put in. Anybody that thinks by sticking £100 a month as the only contribution in to a pension scheme will see them right for a stable future after retirement, is being very niave.... it's horses for courses.

At the end of the day my missus is an only child, and she only has her father left. Now when he pops his cloggs we would without doubt have enough money to be comfortable from that inheritance alone...... but at the end of the day, you NEVER know what may happen, so in the meantime I pay a pension, the missus pays a pension and we both have more insurance policies than Greenlight!

When your future is concerned you can never put aside enough money.