[user104658]

Originally Posted by Kizzy

The FBU said increasing numbers of its members were considering leaving the pension scheme as a result of its decreasing affordability, posing difficult questions over its sustainability.

Hold on a second... I was under the impression that these pension contributions were voluntary! This sort of changes the situation from my perspective... Workplace based pension schemes are crap. All of them are crap! No one should have one if at all optional - TAKE that money and use it specifically to ensure that you're set up for retirement. Private pension schemes are better... Or if you're not thick... Simply investing well for yourself is better.

Build your own retirement fund and then retire whenever you feel like you're set to do so.

That is the solution here. They should tell them to jam their pensions scheme up their arse, invest £4000 a year for themselves, and retire whenever they feel like it.

This may be over simplistic based on the fact that most people have little to zero knowledge of how to conduct their own finances properly and would like a simple work based solution but... Well... It does erode my sympathy slightly.