I'm no expert.
I was in an NHS final salary pension.
Over the past few years I saw my monthly contribution increased FOUR fold and the retirement age increased a few years.
With another 15 years before they want me to retire I eventually opted out as they keep moving the goal posts I don't trust them anymore.
Invested in a couple of properties instead.
Then to top it off there's these rumours of a WEALTH TAX where they look at all your assets, house, car, savings and pension pot etc and if it reaches £500k they want 5%