All of us will get old one day.. In few yrs to come will be your turn.The current pension manipulations should be stopped by Nigerians now..I was very happy when the Senate recently made a move to adjust the pensions act to enable Nigerianswithdraw up to seventy five percent of their cumulative savings..The liberty should even extend to allowing pensioners withdraw their whole sum....The law could also give pensioners the libertyto either withdraw their total sum or give the pension administrators the kind of investments theywant.. After spending sixty years or thirty five years of active service to your nation gathering all types of experiences finance, administration etc. PFA still termed you as novice; you don't know how to handleyour hard earned entitlements.I will make a simple illustration here..Mal Audu retires at sixty and has N20m as his savings..He accesses 50% of N20m which equals N10m.. The balance N10m is to be spread over 180 months (15years) and Mallam Audu earns N55,555..monthly for 15yrs and he stops earning anything because he is expected to die at 75..If Audu will be allowed to have his total sum of N20m, ceteris paribus( all things being equal) he could invest in the money market or Govt Treasure bills..Currently and authoritativelyN20m fetches up to 15% on a 70 days tenor.. Meaning N20m gives about N3m per annum.. Divide N3m by 365 days and multiply by 30 days gives Mallam Audu a monthly earning of N246,575..without depleting his capital of N20m..Why have we been quiet..Nigerians should wake up from this very deep slumber.. The sum given to an average pensioner is not up to the interest the administrators make on his/her capital.. This manipulation/exploitation made the PFA the richesteven richer than Nigeria its self.Pls share this widely to save yourselves at old age...The national assembly and the senate should save the Nigerian elders now