There is much talk about pension difficulties when, really, the simple solution is much higher contributions to the State pension.

You cannot rely on private pensions, nor can you rely on the majority of the public to save for their old age.

They simply do not have the willpower to do so, with the "live well today" attitude.

Expecting to be kept by the State, come what may, when the time comes has been brought on by a too-lenient welfare state.

Pension schemes mainly profit the large insurance companies, who invest this money for profit.

At least if you pay a substantial sum into your State pension over the years, you should look forward to a decent pension on retirement, "guaranteed".

-Ron Wood, Hartington Road, Brighton