The following article is a rather depressing read http://www.bbc.co.uk/news/business-21546542 . The number of people saving for their retirement in a pension scheme is at a recent low. The last Government was correct to bring in auto-enrolment. When private sector employees are auto-enrolled they may dislike it at the time but I am confident that they will be thankful when they come to retire. Previous Government should have done more to promote group personal pension schemes and protect defined benefit schemes. I hope the current Government and its successor will be more effective.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