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  David Little - we have been talking at cross purposes - perhaps I misunderstood you, perhaps you misunderstood me. The government colour does indeed make no difference to my view on the state pension issues or private investment of any kind, speaking generically. First you refer to institutions, to which I specifically replied, then you muddy it with the state pension and now bring Brown back into it. Brown did indeed rape pensions (and ISAs) and that was part of what went wrong with this countries savings but that is not a reason not to invest via the right institutions whether in respect of quality pension investment, stocks and shares ISAs or in other ways. The right advice is always essential before committing to any investment.
  
  Keith - As you have been told a view is just a view no problem with that but expressing it as illegal advice is another matter - it is all in the wording. Note how careful I am when I mention investment matters not to fall foul of complex regulation providing appropriate warnings etc (see above...).
  
  Your other point, everyone in full time work can invest if they made that a priority over other luxury items such as ciggies, booze, mobile phones, etc etc etc. They could also make sure that they can carry on doing so if they hit hard times as no fault of their own. We all make such choices as we should.
  
  People do not plan to fail, they fail to plan.

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