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    David Little - the party in government makes no difference to what I said

    The problems with unfunded state pension provision has been pointed out and that is one of several reasons private retirement planning is essential. My reference was in respect of yours about long term investment via financial institutions. The risks associated in not investing in collectives via the right institutions are significantly higher than the alternative.

    I, in fact, have an example in front of me now of someone who had invested, without my advice, in the wrong institution and wrong underlying assets that I am working on now to help get at least some money back. So poor, or no, advice is a big issue right now for me, specially after seeing a foolish and irresponsible article in the press recently.

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