I completely agree with you Rox in that if you are in a position to buy multiple properties and can utilise the buy-to-let market then that’s a gold mine but, in reality, how many people can afford to do that? With property prices as they are now (first time buyer houses where we live minimum £300k) most young people will struggle to buy one property, let alone several! With a pension, however, regardless of income you get employer contributions, tax relief added, investment growth and a guaranteed income for life when you retire. I suspect that state pension age will increase to 70 before my daughters generation get there and very few people would want to work that long, nor would many people choose to live on state pension alone. With all the tax benefits, long term growth and financial security that they provide, a pension will be the best investment that most people will ever make.