There’s a school of thought out there that the pension is an endangered species. As doomed as an orangutan surrounded by palm oil company bulldozers and men with matches. The alarmism goes like this: State Pension – forget about it. It’ll be abolished or gutted by the time you’re 70 or 80 or whatever age […]

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Anyone remember Pension Liberation schemes? Back before the last government’s pension freedoms released us from the regulatory chains, all sorts of bottom-feeders tried to entice savers to move their pensions into byzantine schemes run from famously safe places like Panama. This trickle of people cashing in their Defined Benefit (‘DB’, or ‘final salary’) pensions turned […]

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