Pensions used to be great security, not so much now. So many people have lost huge amounts becuase of losses or chnages in pension schemes. I have a pension, but only because it's a company one and if I pay in 5% of my salary they match it. If they didn't, I wouldn't bother and would get an ISA or put the money in a box under my bed. Long term, property is the best pesion, but not many people can afford to invest in another (if at all) property