i am not sure about pensions , if its not in my hand i dont really have any ideas, but as time is getting on for many w have to start planning for what we all want in the next part of our adventure, if i get to the age of 66 then its a nice package to receive,£107 orv there abouts, my private pension well the ex had half of that so i have no idea whats in there, i have a unit trust also thats doing quite well, they send statements out to me and so far so good not thousands but it keeps going up, they told me can start collecting from that now if i wanted, the figure they told me was around 1200 a year, not much but if i was in the phils it would help,