If you are one of the 200,000 employees lucky enough to have a defined benefit scheme, or one of the 700,000 contributing to a defined contribution scheme, will it fund your pension when you are ready to retire?
Rudyard Kipling once said that words were the most powerful drug in the world. If that is the case, then pension literature must be the sleeping pills of the English language. However, it's really important to understand the basics...
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