Meet John, a typical member of a defined benefit pension scheme. He's nearing retirement.
*I'm turning 60 this month and, incredibly, I am within sight of my retirement at age 65. I have worked with this company for the past 30 years. I earn a good salary of €58,000 annually and I look forward to a reasonable pension of €20,000 per annum for my service to date.*
*Hopefully I will clock up another five years' service by 65,...
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