PTG
12% + 5% PC for me, with a small lump sum from another pot, to retire at 60, works out for me at about @£35k + state pension. This seems a long way off the £10k quoted earlier, so I guess one of us is in for a shock!
The one in for a shock is you mate, but at least you seem to be taking it on board. Lord Melchard sprang to mind when I saw your previous post "in the face of insurmountable evidence, a blind unwillingness to face the truth should see us through"
Firstly, lets not make Balpas life easy by comparing apples with pears, BARP and NAPS retirement age is 55, so don't get into the trap of saying it's ok if I have to work to 75 to get an equivilant pension.
Your £35k pension requires a fund of £700k at 60. Good luck with your AVCs, however some people have lives.
Barney