I am a bit of a grump at the moment and maybe taking pensions a bit seriously for some. But I have a vision which I put out last week and I’m very pleased to have some comment about my view from people I have a lot of time.

It is important that insurers , asset managers . consultants and trustees, folk who hold so much power recognise that we are now in the eye of the storm.

It is not good enough to be complacent, we have a Minister and a Government who want us to “get real” and I hope that when you read this blog, you will recognise that the people who see Torsten Bell’s vision, are serious about the futures of the millions whose retirement they look after.

Thanks Nick and Philip, when a lad is feeling a bit rough, you are what’s needed!

Nick Lyons

Philip Robinson