UK pension system is fatally flawed, subsidies go to the better off, administration is hugely expensive (all the intermediaries in the pension 'industry' take hefty cuts, up to 2 per cent PER ANNUM (!!). State pension for all, no admin, one computer, payment kicks in when pension age is reached, total estimated cost 0.01 per cent! No surprise that providers do not want to hear this! But they still would have their place, people could and will save on their own to provide a better retirement - if they wish to do so.
http://www.cityam.com/269694/robbing-grandson-peter-pay-grandpa-pauls-pension-unfair
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