Personal pensions are just a means of saving a person's earnings, be it with tax advantages. It should be obvious that my comments were related to the general state pension which in my view should be means tested and would therefore take account of a personal pension as an income and/or accumulated wealth.
As for civil servants, and state employees in general, it was my understanding that the pension benefits were in fact offset by generally lower salaries relative to the private sector.
With any proposal, it is important to look at the whole proposal rather than picking individual bits. The fact is that the country as a whole is debt ridden and is exhausting resources at a faster rate than it generates. There is a need for a fundamental rethink of our approach to life, wealth etc.
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