Hackney;
So, having paid more into your state pension, you consider it right that the rewards of that are yours and yours alone.
Bit capitalist of you if I might say so, keeping the fruits of your labour to yourself.
Private pensions are just another Money laundering scheme, for the rich anyway, different subject though.
Richard;
That is for the future, when Sterling really does go tits up. The £86pw is genuinely my only income. Investments pay nothing, below inflation, so no real income there and gold does not earn interest, it is, very much, the savings of last resort.