The benefits of 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.
 

It’s untenable to have a normal retirement age in public-sector schemes that is significantly different from the state retirement age

Brian Bailey, Director of pensions, West Midlands Pension Fund and member of High Pay Commission