I do think having a pension in an uninformed way is likely better than not having a pension in an uninformed way!
I do think having a pension in an uninformed way is likely better than not having a pension in an uninformed way!
So I disagree with you here - especially for eg 22-45 year olds. Engagement increases the risk of people doing dumb shit. Inertia works up to a point when it fundamentally doesn’t.