The State will provide! It will provide, but only in a limited way. Your employer may help, but what if you don’t have a company scheme? Even if you do, will it give you enough to live on?

The value of your investment can go down as well as up and you may not het back the full amount invested.

A pension is a long term investment. The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Pension income could also be affected by interest rates at the time benefits are taken.

The tax treatment of pensions in general and tax implications of pension withdrawals will be based on individual circumstances, tax legislation and regulation, which are subject to change in the future.

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