At the minute pensions are all we seem to hear about on the news. I'm possibly one of the lucky ones who has been part of the NHS superannuation scheme since the age of 20... I'm now 34 and hope to have a decent pension when I leave work at 60, if not sooner if savings permit!

My dad saved approximately £400 per month for both himself and my mum in a private pension scheme (£800 in total)for many years. The company he saved it with turned out to be not so reliable and lots of money went missing.... now that we have to save seriously ourselves for our old age, what promises will we have that the money will be safe?

The Government need to sort this one out, there are employees who contrbuted to a company scheme for 36 years who are getting no pension because the company went bust. This is why people are doing BTL, there is not enough confidence in pensions to make everybody save.

i am proberly the perfect model for the current goverment rhetoric on people saving for there old age, i have spent over 35 years planning and investing for my old age i have invested in private pension schemes, bonds, pep's shares, tessa's, isa's unit trusts and other reputable products, all these products are linked either directly or in-directly to the equity or property markets, further more these funds ultimatly will have to purchase a pension from yet another market which is the anuities market. Now what the goverment dose not tell you is that when you've made these provisions you are at the mercy of these markets for many many years, in my case my funds were more than halved in 99/2000 market crash, bearing in mind my funds were in professionaly managed financial institutes, i have no road back to a decent pension despite 35 years of prudent planning. If your not a cival servant with indexed linked protected pension's then you are highly vunerable to planning for disapointment.