I laughed when I read the following article http://www.moneymarketing.co.uk/pensions/employers-are-willing-to-shoulder-retirement-risk-says-webb/1050358.article I think there will be very few employers who will actually accept more pension liabilities for their staff. Nice idea though!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