darling moo-good luck with the instrments-th problem is if 60 million Britons bought vintage instruments to supplement their living into old age then their may be a flood on the market and the value would fall. There are always individal solutions, but frankly the only one that I can think of that will work is that you take out a pension, or start saving on the very first day you get a job, and you don't stop until you want to retire.