How many pensioners do you know who complain that they have too much money? Not many we suspect.

People are generally living longer, so you can expect to enjoy a longer period of retirement than ever before. And while the state pension may cover the basics, on its own it's unlikely to give you the kind of standard of living you would like. It stands to reason that the sooner you make adequate provision for your future, the better the return is going to be - in fact, even a delay of just one year can make a staggering difference to your future income when you retire!