The 30-somethings planning for penury

Over the last few weeks, as luck would have it, several chance meetings with 30-somethings have had a common refrain. Namely, a strong assertion that you've got to be barking to consider putting money into a pension.

And the problem is, it's not difficult to see why they might be suspicious. We've had years of drip-drip-drip bad news about pensions, pension providers and greedy IFAs. Time and again, the message coming out is too many people take a cut out of the money you put aside -- and too many rules get in the way of reuniting you with it.