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Summary: are dull. As dull as death. But if, with a bit of parental foresight, you were worth £500,000 before your 40th birthday and could retire a millionaire because of pensions, is that boring? A (really) quick guide to pensions: A pension is a savings account with tax-free knobs on. The death knell of the state pension was sounded in the 1980s when the Thatcher government removed

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