OP
you start first. please hand your retirement/pension fund to the community. you have not touched your pension pot in 3 years so its time you start handing it out.. your not allowed to keep it safe. your not allowed to hold it for inheretance. you have to hand out any pension funds or life savings after the third year that you have deposited it..

you have no say in the matter. if any funds gain 3 years maturity. its no longer yours. no one cares about your personal choice to have locked your funds in a time vault burried in your back garden. no one cares that you wrote it into your will that only your offspring can get it. no one cares that you are waiting until your 60yo to touch it... its time you started giving your pension/life savings to the community.

oh and make sure you give the money to your bank and hope that they do the trickle down economics rather than them hoarding it and laundering it every 2 years 364 days to prevent them losing it.. oh wait.. they wont. because if they forgt the 3rd anniversary.. they just pay themselves again.. thus only the banks win..