“We should never trust the government — any government — to look after us in old age”

Imagine being allowed to own your own pension. Why, you might do something silly with it.

The new rules on annuites are radical – and welcome

Allowing direct access to pension pots is irresponsible

No pot of money supports the promise of state pensions—the system is unsustainable. A new savings model is needed

‘Pensions do not grow on trees and never did. That was an illusion’

‘If you’ve always paid your way in your working life, you’ll pay your way as you die’

‘The idea that diligent citizens have been putting away money for their retirement with National Insurance contributions is a myth’