But isn’t that the point
VinRouge - there is no risk with AFPS (apart from some sort of armageddon) whereas even with the most stable private plans there is always risk of collapse. Ask Mrs LJ, her private pension pot, in a low risk private pension scheme, was roughly £0.5M prior to 2007, it is now worth less than £0.2M. Whereas, my AFPS was totally unaffected by the various market crashes (save for the auto enrolment onto AFPS15, although I am better off on that as I get the ability to earn pension past 55 now that I didn’t on AFPS75).