Whether private or public sector, employed or self employed, Company Director or employee retirement funding is the most talked about issue to occupy papers of newspapers and hours of air time.

The problem is as all of this chatter continues not enough people are paying into a pension. There are no miracles in pension provision in most cases what we get out will be hopefully more than we put in. Retirement planning is very personal.

They are in general not very complicated but can appear so to the untrained eye.

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