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  That is sad, sad because he has lacked the right kind of advice and does not have the right information. There are a couple of things he says that betray that when he speaks of not enough money for stocks and shares for instance. This is one reason why I fear that the lack of proper advice connected with NEST will result in people thinking that way. There are many people now who invested in some terribly expensive pensions in the 80's and early 90's and who, despite that, now have substantial sums they would not otherwise have had. The press do not help with a lot of their ill-informed stories.

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