A common sense approach to pensions

When the government implemented radical new pension freedoms a year ago, it was the most fundamental reform to the system in almost a century. And, like so many eye-catching changes, it was given a political spin. ‘Freedom and choice in pensions’ was how it became known. Sounds good, doesn’t it?

It’s hard to argue with words like ‘freedom’ and ‘choice’, but there were plenty of people who doubted the efficacy of the new regime.