I've had a pension since I was 19 started by putting £20 a month in and luckily have never upped it, apparently it will pay out £3250 a year when I'm 65. Bricks and mortar the way to go IMO, I bought my first rental property in July and things are going well and am going to start looking for another soon. My aim is to get five over the next couple of years and then die at 65 and leave my wife very comportable thank you.