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Property versus pension: the FAQ

The only way to get people to save for retirement in the right way is with a combination of facts and emotion, says Colin Lawson

7 May 2013

Every week I look at the Money section of The Sunday Times. Being the inquisitive individual that I am, I love to read the interview feature, which poses various financial questions to well-known (and not so well-known) individuals. One question always asked is: What is better, property or pension?

I am staggered that these influential, wealthy and clearly intelligent individuals often choose property with no thought given as to how this can influence the behaviour of others. So I want to debate the issue in a little more depth.

In my opinion, we are facing a pensions crisis in this country, which, over the next three decades, could lead to poverty for many retirees.

These days, more and more people are starting full-time work later, after university and gap years. Rather than starting with a clean slate at that point, many graduates are facing debts of at least

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