&gt;* there is no better place to put your money*<p>I&#x27;m not sure I buy into that in the slightest, alternative asset classes exist for the very purpose of allowing diversity when market returns are poor.  Some of them are rough to access as an individual, but others are not.<p>The real kicker is that the absolute size of a retirement pot is utterly meaningless without reference to the interest and inflation rates <i>during</i> retirement.  Let alone what the mortality tables look like when you get there.<p>You&#x27;re going to live longer, and so you&#x27;re going to need to retire later with more money than your predecessors.  That means saving towards it from the moment you start work, and ensuring that you access as many different return drivers as possible - even at the cost of some fees.  Yes I&#x27;m a walking talking believer in DGFs.