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As a pensioner in receipt of a pension in payment having contributed to a cross border multi employer non segregated pension scheme for up to 45 years to a defined benefit pension so as to have this Second Pillar of saving I now find that my monthly pension income is cut by way of State legislation because I am in Ireland but my colleagues in the Uk and other European countries in the same scheme did not have their monthly income cut. So why would anyone contribute to a second pillar of retirement savings when this happens when you are drawing down your savings from a fund that you cannot access and have no control over. The EU is not protecting currently those in receipt of cross border schemes - this has to be corrected first and when this happens there might be a chance to encourage others to start saving.

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