It's just deciding where to place your money Matt. If the Pension is performing that badly vs FInal Salary lucky gits, then it makes you wonder if thats the best place to put your money. Yes you get 40% extra chucked in from Goverment, but I'm not inspired by performance to date
In ideal world I could do with House Market crash, so that you could buy some houses on Buy to Let & have the rent cover the mortgage. At the moment the figures just don't stack up ....by a long way, so that option is not available.