The following article based upon research from Aegon is concerning reading http://www.moneymarketing.co.uk/pensions/aegon-a-third-of-over-55s-have-no-active-pension/1074848.article The lack of income protection insurance in the British adult population and the woefully inadequate planning and savings shortfall will result in pensioner poverty and future tax payers bailing out feckless people when they reach their golden years. I hope this provokes some people to consult some independent financial advisors and take action to join their employer’s group personal pension scheme.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