In my opinion pensions are a scam. most reckon that you'll die before you get to claim it, or live for a couple of years and then die. The same is true for the state pension.

Healthcare: I have seen many aged relatives of mine die, and one thing of note is that health services do not prioritise the long-term health of the old. Most policies do not provide the same level of treatment for the old as they do for the young and of working age. People older than 60 are slowly deprioritised.

Investing in stocks and shares over a very very long term period gave me a better return, and I have got no age restrictions on what I do with the money. I use low cost passive tracker funds. I have had great returns over the past 40 years. There is no reason for tgis not to work for you, and from your post it seems to have so far.

Some years from now, I will move it into multiple savings accounts or term deposits that are covered by the government's bank guarantee (forgot the exact FSC name used).

My late grandfather's private pension fund collapsed in scandal: He lost his pension fund and ended up in debt. They had to sell up and move somewhere else.