The following article places some restraint to the more positive news we have been receiving recently. http://www.bbc.co.uk/news/business-24709699rnrnRetail is very important to the UK economy and is a good indicator of how confident the average British person is feeling. Of course I would like to read that pension savings is up and that the number of group personal pensions has increased. One can always hope!rnrnThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action. The tips may not apply, or be suitable, to everyone and you should contact us for advice if you are unsure whether this is the case.rn