Money under the mattress

Going to see my pensions adviser today. In the wake of the recent and potentially, ongoing financial crisis, perhaps I really ought to put my hands over my ears and say (loudly) “LA-LA-LA-LA-LA-LA!”

We’re gambling with our stress-levels in old age. Is the stock market always going to go up in the long term? What if it bombs like it just has and stays low over the period I need to buy an annuity? Will £1M be able to buy a Mars Bar when I’m 70?

Pensions planning is not a good place for pessimists. I will have to continue in my blinkered optimistic view of things. The alternative is to reach for the razor blades and that’s just not my style.

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