'Public-sector pension schemes benefit from a near cast-iron certainty'
Anat Arkin’s comprehensive review of the advantages offered to employees in public-sector pension schemes (“In the greater scheme”, 4 July) missed one crucial element: the luxury of certainty rather than the burden of choice.

I was reminded forcibly of this as I was trying to decide where to invest my self-invested personal pension (Sipp). The choices I make now will have a significant effect on my quality of life up to 40 years from now.