Grudges rot the soul
I'm getting to the point where I'm looking at how much my pension would be worth. I can take a lump sum (and pay some income tax) or get an annuity. The annuity works out about the same as having the money under the bed and taking out the yearly figure they suggest until I'm much older than the current average life expectancy. They have been charging me a fee every year for 'administration', taking a cut of the interest earned, want to keep the interest earned after I retire AND keep what's left if I die before an extraordinarily long life. Bastards. Oh and when the stock market took a dive they lost a load of my money.