<strong>HAYDEN SINDEN </strong> AVIVA<br />“The sooner you start saving for a pension, the less you have to pay out in one go. There is a common misconception that a state pension is enough to live on, and it’s not – it’s completely insufficient. And as people live longer, the pot of public money is going to run out.”<br /><br /><strong>HENRY JOHNSON </strong> LLOYD’S OF LONDON<br />“I’m still on a final salary pension, but I am aware many have been cut. As people live longer and wage inflation kicks in, companies will have to pay out even more, which may hurt businesses more and is that reasonable? But then if the population relies on state pensions, taxes have to go up.”<br /><br /><strong>STEPHEN HALEY </strong>INSURANCE BROKER<br />I think that under Gordon Brown nothing is going to change. The only people getting pensions are those in the public sector. The private sector is having to subsidise the pensions of politicians and their civil service staff. Company pensions are virtually extinct in the private sector.