Stop our government sending so much money abroad,look after our own elderly and struggling pensioners who have paid for their state pensions in contributions,billions are sent to countries in aid, when charity begins at home. The champagne charlie who says make pensioners go out to work for their pensions has probably never had to struggle in his life,what does he know about living on a low income. All in this together my a...!

When I retired at 70 I started a gardening business, plenty of fresh air and exercise. I am now 85 and try and limit gardening to two hours a day which I find quite enough to give me appetite and sleep. It also supplements my pension by about 100%.

Another government fiddle.

I don't expect to retire. I don't particularly want to either, so I envisage supplementing my meagre OAP and private pension with further earnings to pay the bills. I expect others will do that as well. It's also worth remembering that your expectations should go down in your later years too, so you wont' need to buy as much - just the essentials. I did all my travelling when I was younger and I hardly need to buy lots of new clothes.. Thank god for that. A cruise will be out of the question.

Are we to understand that employers do not inform their staff of this rather important and imminent pension plan?

For the lower paid it won't really help people build up an adequate pension, given that a pension pot of £100k would give you a pension of £5k if you're lucky. Anybody earning say £20k and paying in 10% of their income would only be saving £2k per annum, so would struggle to save anywhere near £100k, and despite average life expectency rising, a significant number of people will actually die before they are eligible to take their pension.

I've heard nothing about it at work. I have not had a pay rise in three years but my rent has gone up £50 a month in that time. I work as a Truck Driver on a salary so there is no way I can earn more money. How am I supposed to pay for a pension as I don't earn enough to live on now. I've paid my taxes and NI contributions for 43 years and for what. No doubt if I was a foreigner I'd be given a house and all the benefits I wanted and wouldn't have to worry about a pension. Perhaps I should black my face up and wear a turbun or would that be racist to say that.

Private pensions are a scandal. You don't know if the money you pay in will be there when you retire-It's a lottery. A large part of what you pay goes on profits for the provider & big wages. Regulation is usually ineffective & unless you're quite smart it's easy to be ripped off.
We've all paid our NI contributions, so paying again is a scam. At least you used to know a pension was certain when the state provided it.

We have had posters up at work for the last 6 months to tell us about this change to the pension scheme & also reminders in last couple of monthly pay slips, both types of notices have website address & also freephone number to get more information if needed.

You should be given the choice to join a pension scheme,and if you don't then you get nothing in retirement,
you pay nothing you get nothing if that what you want.the choice is yours.
To many youngters these days think that society owes them a living,well it don't.