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    Agreed as well Sarah, but with all the 'discrimination' legislation that is increasingly harder to do. I've actually sat in on a meeting where it was said by HR that although someone was too thick to do a job we couldn't discriminate against him because he was thick.

    I'm receiving a pension from a 1/80th per year of service scheme and it comes solely from a fund of contributions made by members, and is well managed by a board of trustees largely recruited from members. The employer and employee contributions totalled about 25% of salary, which hurt when I had a young family to raise but is paying off now. Shows it can be done without public funding provided pension contributions go into a scheme to pay out in future rather than current pensions being payed from current taxes.

    That said, the trustees now realise that the financial world has changed and they can't guarantee that level of pension in future so they are looking at changing from a pensionable salary based on the last 3 years average to one based on a career average, part of what the current problems are about. It still leaves the employee the opportunity to put in some extra voluntary contributions when they can afford to.

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