> 
> Final Salary pensions are perfectly sustainable if they are 
> properly funded, and if the funding is invested into 
> productive enterprise (for want of a better word).

I have to say I couldn't agree less.  Contributions make up a small part of
the final pot., it is the predictions of growth, the poor investment
polices, enormous profits and income of the people who manage them and
increase in life expectancy that have caused the major part of the problem.
Work for say 20 years at a company, retire at 65 (or earlier) and live for
20 years or more on the salary you finish on, do the mathematics old chap.
I have been a private consumer of financial products for over 30 years now
and have seen enough projections and graphs to fill the devils punch bowl,
yet still need to work.
Its bad enough in the public sector - which I pay for, but also private
companies have had to top them up, taking money out of profits, again which
I pay for.

ttfn

Richard 

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