The second edition

Nothing stays the same for ever in the world of pensions. But the level of change that has taken place in the period since the first edition of this book was published is unprecedented.

Two years ago this book described a revolution in pension saving that was still on the horizon. That revolution, comprising the automatic enrolment of every employee in the land into a pension scheme and the abolition of commission to financial advisers, is now upon us.

These fundamental changes to the pensions system have been compounded by a huge number of policy initiatives introduced at breathtaking pace by the Coalition government.

Within its first year, the Conservative/LibDem government has made massive changes to the legal and tax framework ...

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