This post is profound and worrying – worrying because we are not addressing the concerns those in  personal pensions have when they get to taking their money,

We talk of contract based pensions as if they were comparable to trust based pensions but do we really understand the difference?

When we are simply building up a pot we may not worry if we are being looked after by a trustee but when we get to taking our money back , what does the contract say?

It is not enough to leave those with contracts on their own when they want their money, we need to help them as if they had trustees. We do not seem too concerned about contracts, Johan is.