Just a question about retirement planning. What options are available for retirement planning where you are? We have standard pensions, that get tax relief going in and is then used to buy an annunity once you retire, or the other option often used is an ISA. An ISA is an account where you pay tax going in, but interest and income from shares or assets held in it are tax free to a certain amount per year. Most people going the ISA route either plan to live off the income it generates or sell it and buy an annuity. What other variations have you seen?