Re: It's your money
> the tax breaks companies get for forcing me into contributing.
The company doesn't get tax breaks for this. If the company puts £x into your pension scheme then the revenue will not tax it. If the company puts £x into your pocket then you have to pay NI and PAYE and the company has to also pay NI.
> £350 Billion of taxpayers money cant keep it afloat and 0% growth over the next 10 years
You sound like you are in a private company. Should your private pension fund have a shortfall the government will bail it out with exactly £0 of tax payers money. On the other hand, if you worked for the government then any shortfall will be funded by other tax payers. There is no upper limit as to how much they will spend to bail it out.
As for my pension, it has an average growth over the last few years of about 4-5% per year and is now more than it was before the markets crashed in 2009. The management fees are less less than 0.05% and the tax is about 0.6% or ten times more than the fees. The tax paid is the cut the government takes from dividend earnings