In response to the comment that there's no actual advice on the thread, here's some
suggestions and thoughts on non-final salary pensions.
The value of your pension pot will go up and down. While you're working, going down isn't bad - in fact it can be bonzer, it means your money is buying more 'units, shares' whatever each month so when things pick up the ratchet effect is
Avoid draining it while it's in a down phase as the ratchet works the other way. So, be flexible on retirement date and/or build a safe pot of savings ie savings account, Premium Bonds etc that you can tap into in order to defer/reduce calling on the pension pot.
If the markets are
when you do retire, pull some tax free cash out and do that ^^^ with it (rather than buying a Ferrari
), again so you can limit the drain on the more volatile funds if the markets stoof again during retirement.
Pay down/off your mortgage (debts) before retirement (or plan to move/downshift, preferably before you retire). You need to know what your outgoings will be as far as poss and mortgage costs rising when you're retired is a bit
Whatever you
think you'll need in retirement, add 30%+
Usual disclaimer: I'm not a financial adviser but I have had a financial bruise or two and might have learned a bit from them.