I have paid a full pension now for 20 years, i am concerned for my future as i have another 20 years to work. Talk is there may be no money to pay out, my employer has to match what i pay in. Is this true about pensions possibly being done away with? can i protect what i have paid in?, sorry for what might appear to be a daft question, i really do not know much about it and what is the best course of action to take to benefit me. Any advice?