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    Vic - you lacked good advice quite clearly.

    We are heading for a demographic time bomb as people are just not investing for later life as they should. There is a generation coming who for the first time will be poorer than their parents at retirement. It is a terrible prospect and we need to be encouraging people to invest as soon as they start work and to regard it as important as paying for a car or a mortgage. After all one day they will be depending on it to feed, cloth and keep them warm.

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