I was given some advice may years ago by and old rogue, I'm sorry I didn't take it.
He Said "Dai, when ever you have a few bob to spare, buy yourself a sovereign, don't tell anyone you got them. When you retire make out you have nought, claim what you can, and whenever you need a treat sell a couple".
That was over 30 years ago, I chose the pension fund which is why I am still working at 68.