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I did actually make a killing on a dead cat bounce of bank shares back in the bank crash; and invested them in a ferry company shortly before the Icelandic volcano... about as close as I'm going to get to daylight robbery and it was entirely lucky!

I'm 29 and my private pension is due to kick in at 59 - because I started paying in at 19. The way returns have been going the last few years, I'll be able to get an annuity for about 8 quid a week; or draw down and hope I don't live too long. Going to be rather more dependent on whatever the...