This particular survey was very selective, however just about every pensions expert including Ros Altman for whom I have much respect say that there is a pensions timebomb. Returns are half what they were even 10 years ago (for those who’s pensions haven’t bombed completely) and many ordinary people are going to be faced with the choice of retire in poverty despite having saved or keep working. We have had to revise our plans of how much we need in the pension pot and actually doubled the target. New legislation means employers cannot force people to retire at 65 and the dream of retiring and doing other things for many will remain just that, a dream. The days of early retirement or even retirement at 65 on good pensions are over for most people.