Second property or additional payments into pension. As I’m getting near a pension age approximately 20 years off, panicking about income when I’m retired. I can make additional payments of up to approx. £7000 a year. Not sure whether I should do that or save and buy a small house or flat to let to help fund for my retirement years? My work pension Is a local authority pension scheme deemed to be relatively good however it’s not a final salary pension. Any advice on what to do?