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  Jenni - you need 30 years NI contributions for the maximum Basic State pension. People need to be careful about notices they get telling them they should make additional contributions for the maximum pension - it is often not the case.
  
  Whatever though, for a decent retirement income, you should not rely on the state pension. Anyone who is sensible should save/invest as well and to get a decent income. Your retirement savings must be expected to get to a figure of significantly higher value than your home....as a crude rule of thumb. Anything less will not do.
  
  Bern - I have to disagree with you. For many years people have been warned that the State alone will not provide enough. We built up the best funded pensions in the world as a result, but over the last 15 years they have been systematicaly been destroyed by ill-conceived government policies. Yes that does include the 1995 Act under Major which was a significant step in building problems for final salary schemes.
  
  Those of you employed at least have the S2P top-up to the basic state pension even if you don't have any private provision, those of us who are self-employed have only the Basic State pension plus anything we do ourselves.
  
  I could write reams and reams about pensions from every angle but will resist it...

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