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For many people, deciding where the best place to invest their salary to provide security in retirement is a difficult decision when the long term outcomes are so uncertain.
Lisa Dickenson, 38, from Norwich, pays into a workplace pension scheme with the NHS.
She wonders if she would be better off putting that money aside to make over payments on her mortgage.
Our Rickmansworth based adviser, Sheetal Radia, talks to David Byers at The Times and provides the 'expert opinion' on the best way to invest Lisa's salary.
“At retirement the NHS scheme will provide Lisa with an inflation-linked pension with a tax-free lump sum that can be used to reduce the mortgage. “It is unlikely that Lisa’s home will provide the same level of benefits..."