The private pension environment continues to change with each new piece of legislation. This in turn brings changes of its own, from a deeper understanding of the post-A-day pension tax environment, to having to find better ways to help people understand the benefits of their pension arrangements.

The opportunities to turn pension savings into retirement income continue, challenging the industry to develop new innovative solutions giving people more choice and flexibility.

All are important to our understanding of pensions and the retirement income people will receive both today and tomorrow.