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Originally Posted by mrmistoffelees
Why shouldn’t they?
If you want to have a decent standard of living in your retirement then plan for it. (The you is not personal btw)
The tax/ni etc payments made during your working life are not contributions towards your pension at the point of your retirement. They’re paying the pensions of people who receive them at the point in time the deduction is made from your pay
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None of that answered the question.
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and not expected that the state would be there to support them
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Again, why ?
The "state" as you call it states (!) they will be there to support them, in the form of a "state" pension.
Once again you blindly assume that everyone everywhere could afford a private pension, the real world isnt (and wasnt) like that.