I don't know about a Quantas pension but with BA 15- 20 years will only give you about a third of your final salary minus the state pension, so you can look at about 17,000 pounds per annum. With EK it depends on how much of your salary you can put away but with all your major bills paid for it should be a reasonable sum. Present annuity rates mean you need about 350,000 UK to achieve this, shouldn't be too difficult. Live now or cake later-your choice.