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Read our <a href="https://web.archive.org/web/20161107051317/http://www.independent.co.uk/service/privacy-policy-a6184181.html">Privacy</a> and <a href="https://web.archive.org/web/20161107051317/http://www.independent.co.uk/service/cookie-policy-a6184186.html">Cookie</a> Policies to find out more.</p> </div> <div class="tabs"></div> <div class="region region-content"> <div class="term-listing-heading"> <header class="section-title "> <h1 class="box-title"> <span class="title">Pensions</span> <span class="slogan"></span> </h1> </header> <div class="content"> <div class="row" data-tb-region="row-1"><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/could-baby-boomers-be-the-answer-to-the-nations-savings-woes-a7393281.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc" style="background-image: url('https://web.archive.org/web/20161107051317im_/https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2016/05/24/11/pensioners.jpg');"> <a href="/web/20161107051317/http://www.independent.co.uk/money/could-baby-boomers-be-the-answer-to-the-nations-savings-woes-a7393281.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/could-baby-boomers-be-the-answer-to-the-nations-savings-woes-a7393281.html"><span class="media-prefix "></span>Could baby boomers be the answer to the nation's savings woes?</a></h1> <div class="lead"> <p>Experts are calling on the over 65s to help solve the nation’s funding gap</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc" style="background-image: url('https://web.archive.org/web/20161107051317im_/https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/09/30/16/osborne-eu-ref.jpg');"> <a href="/web/20161107051317/http://www.independent.co.uk/money/seeing-sense-government-announces-u-turn-over-pensions-sales-a7369201.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/seeing-sense-government-announces-u-turn-over-pensions-sales-a7369201.html"><span class="media-prefix "></span>Seeing sense: Government announces u-turn over pensions sales </a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-tc" style="background-image: url('https://web.archive.org/web/20161107051317im_/https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2013/04/10/22/pg-25-ageing-getty-c.jpg');"> <a href="/web/20161107051317/http://www.independent.co.uk/money/growing-old-disgracefully-why-longer-life-is-ruining-your-wealth-a7345941.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/growing-old-disgracefully-why-longer-life-is-ruining-your-wealth-a7345941.html"><span class="media-prefix "></span>Growing old disgracefully: why longer life is ruining your wealth</a></h1> </div> </div> </article><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu0" class="grid-mod-single-mpu"> </div> </article></div><div class="row" data-tb-region="row-2"><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/government-plans-500-incentive-for-valuable-pensions-advice-a7217926.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/03/17/00/Pensions.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/government-plans-500-incentive-for-valuable-pensions-advice-a7217926.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/government-plans-500-incentive-for-valuable-pensions-advice-a7217926.html"><span class="media-prefix "></span>Government plans £500 incentive for valuable pensions advice</a></h1> <div class="lead"> <p>Government pushes retirement savers to seek professional advice with tax-free allowance that could mean a significant boost to retirement income.</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2014/11/24/08/Pensions.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/could-brexit-kill-your-retirement-dreams-a7195801.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/could-brexit-kill-your-retirement-dreams-a7195801.html"><span class="media-prefix "></span>Could Brexit kill your retirement dreams?</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/03/17/00/Pensions.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/pension-hidden-fees-third-transparency-task-force-a7040986.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/pension-hidden-fees-third-transparency-task-force-a7040986.html"><span class="media-prefix "></span>How 'hidden fees' eat away your pension pot</a></h1> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/pensions/new-state-pension-aims-to-clear-up-how-much-we-will-be-paid-in-old-age-a6967006.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/04/03/22/19-elderly-getty.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/new-state-pension-aims-to-clear-up-how-much-we-will-be-paid-in-old-age-a6967006.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/new-state-pension-aims-to-clear-up-how-much-we-will-be-paid-in-old-age-a6967006.html"><span class="media-prefix "></span>New state pension aims to clear up how much we will be paid in old age</a></h1> <div class="lead"> <p><span style="line-height: 20.8px;">The full new state pension will be at a single-tier rate of £155.65 a week</span></p> </div> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/pensions/state-pension-reforms-millions-stillclueless-about-entitlements-a6964661.html" data-tb-region-item="4-1"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/04/01/18/money-getty.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/state-pension-reforms-millions-stillclueless-about-entitlements-a6964661.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/state-pension-reforms-millions-stillclueless-about-entitlements-a6964661.html"><span class="media-prefix "></span>Millions are clueless about their pension entitlements</a></h1> <div class="lead"> <p>The pace of pension change has been so quick that it’s understandable that many people have little idea how much they may have to live on when they retire, says Simon Read</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-3"><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu4" class="grid-mod-single-mpu"> </div> </article><article data-weight="1" class="weight-1"><div class="container-half grid-mod-half-story grid-mod-half-height " data-url="/web/20161107051317oe_/http://www.independent.co.uk/news/science/running-out-of-money-in-retirement-linked-to-fear-of-death-a6956851.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1_half/public/thumbnails/image/2015/11/12/14/Retirement.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/news/science/running-out-of-money-in-retirement-linked-to-fear-of-death-a6956851.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/news/science/running-out-of-money-in-retirement-linked-to-fear-of-death-a6956851.html"><span class="media-prefix "></span>Running out of money in retirement linked to fear of death</a></h1> <div class="lead"> <p>Reluctance of people to decide how long they expect to live for puts them off planning for retirement, according to research</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container-half grid-mod-half-story grid-mod-half-height " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/pensions/brexit-400000-britons-living-on-the-continent-could-have-state-pensions-frozen-a6898756.html" data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1_half/public/thumbnails/image/2016/02/26/19/Italy-AFPGetty.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/brexit-400000-britons-living-on-the-continent-could-have-state-pensions-frozen-a6898756.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/brexit-400000-britons-living-on-the-continent-could-have-state-pensions-frozen-a6898756.html"><span class="media-prefix "></span>400,000 Britons living on Continent could have state pensions frozen</a></h1> <div class="lead"> <p style="line-height: 20.8px;">There has to be a reciprocal agreement between the UK and overseas countries for British citizens to receive the annual increase</p> </div> </div> </div> </article><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu3" class="grid-mod-single-mpu"> </div> </article></div><div class="row" data-tb-region="row-4"><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/if-you-dont-start-saving-now-you-may-never-be-able-to-afford-to-retire-a6881941.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2009/08/28/18/237554.bin"> <a href="/web/20161107051317/http://www.independent.co.uk/money/if-you-dont-start-saving-now-you-may-never-be-able-to-afford-to-retire-a6881941.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/if-you-dont-start-saving-now-you-may-never-be-able-to-afford-to-retire-a6881941.html"><span class="media-prefix "></span>If you don't save now, you may never be able to afford to retire</a></h1> <div class="lead"> <p>You're gonna live longer, which means you're going to have to find a way to have more money</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/pensions/budget-2016-chancellor-george-osborne-set-to-announce-tax-on-company-pension-contributions-a6856976.html" data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/02/05/22/Barbara-Stanwyck-Rex.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/budget-2016-chancellor-george-osborne-set-to-announce-tax-on-company-pension-contributions-a6856976.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/budget-2016-chancellor-george-osborne-set-to-announce-tax-on-company-pension-contributions-a6856976.html"><span class="media-prefix "></span>Tories plan tax raid on your work pension</a></h1> <div class="lead"> <p>The proposed flat rate of relief would have to be funded by higher earners. And that creates a loophole that the Chancellor may plug, says Simon Read</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/02/05/21/Harry-Penny.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/uk-government-denied-war-hero-harry-penny-an-increase-in-his-state-pension-because-he-moved-to-a6856961.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/uk-government-denied-war-hero-harry-penny-an-increase-in-his-state-pension-because-he-moved-to-a6856961.html"><span class="media-prefix "></span>UK Government denied a war hero an increase in his state pension</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="3-2"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/01/30/03/Wendy-Eachus-Jon-Super.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/retirement-rate-rise-millions-of-women-born-in-1950s-say-they-werent-given-enough-notice-a6843001.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/retirement-rate-rise-millions-of-women-born-in-1950s-say-they-werent-given-enough-notice-a6843001.html"><span class="media-prefix "></span>Retirement rate rise: Millions say they weren't given enough notice</a></h1> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/pensions/state-pension-is-frozen-for-560000-british-expatriates-a6842986.html" data-tb-region-item="4-1"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/01/30/03/French-Cafe-Rex.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/state-pension-is-frozen-for-560000-british-expatriates-a6842986.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/state-pension-is-frozen-for-560000-british-expatriates-a6842986.html"><span class="media-prefix "></span>State pension is frozen for 560,000 British expatriates</a></h1> <div class="lead"> <p style="line-height: 20.8px;">Successive governments have left out in the cold elderly war heroes and other British citizens retiring to mainly former Commonwealth countries</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-5"><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu1" class="grid-mod-single-mpu"> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/pension-problems-as-firms-fail-workers-and-self-employed-say-no-a6837386.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/05/29/19/RosAltmann-Reuters.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pension-problems-as-firms-fail-workers-and-self-employed-say-no-a6837386.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pension-problems-as-firms-fail-workers-and-self-employed-say-no-a6837386.html"><span class="media-prefix "></span>Pension problems as firms fail workers and self-employed say no</a></h1> <div class="lead"> <p>Almost 5,000 firms failed to meet auto-enrolment deadlines while those who work for themselves are turning their back on pensions</p> </div> </div> </div> </article><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/news/business/news/dwp-must-communicate-better-after-smashing-pension-hopes-a6805336.html" data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2016/01/10/23/51-Frank-Field-Justin-Sutcliffe.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/news/business/news/dwp-must-communicate-better-after-smashing-pension-hopes-a6805336.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/news/business/news/dwp-must-communicate-better-after-smashing-pension-hopes-a6805336.html"><span class="media-prefix "></span>'DWP must communicate better after smashing pension hopes'</a></h1> <div class="lead"> <p><span style="line-height: 20.8px;">The new system replaces the basic and additional pensions for people reaching the state retirement age from 6 April 2016</span></p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-6"><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/pension-freedom-fewer-than-one-in-five-have-used-governments-guidance-service-a6803606.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2015/09/18/09/pensionershousing.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pension-freedom-fewer-than-one-in-five-have-used-governments-guidance-service-a6803606.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pension-freedom-fewer-than-one-in-five-have-used-governments-guidance-service-a6803606.html"><span class="media-prefix "></span>Pension freedom: ignorance won't be bliss</a></h1> <div class="lead"> <p style="line-height: 20.8px;">People are rushing to get at their pension cash without considering the short-term tax implications, or the long-term consequences for their retirement years</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/01/06/23/web-osborne-autumn-statement-getty.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/pensioner-bonds-looked-good-a-year-ago-now-take-the-money-and-run-a6803596.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/pensioner-bonds-looked-good-a-year-ago-now-take-the-money-and-run-a6803596.html"><span class="media-prefix "></span>Pensioner Bonds: It's time to take the money and run</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-bc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/01/02/20/10-Climate-change-AFP-Getty.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/environment/climate-change/climate-change-targets-have-huge-implications-for-uk-pensioners-a6794161.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161107051317/http://www.independent.co.uk/environment/climate-change/climate-change-targets-have-huge-implications-for-uk-pensioners-a6794161.html"><span class="media-prefix "></span>Climate change targets 'have huge implications for UK pensioners'</a></h1> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/pensions/pensions-changes-unfair-to-women-to-be-debated-by-mps-a6793586.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2016/01/02/01/black-getty.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/pensions-changes-unfair-to-women-to-be-debated-by-mps-a6793586.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/pensions-changes-unfair-to-women-to-be-debated-by-mps-a6793586.html"><span class="media-prefix "></span>Pensions changes unfair to women to be debated by MPs</a></h1> <div class="lead"> <p style="line-height: 20.8px;">The debate centres around the fact that some 2.6 million women had their state pension age delayed – in some cases twice, and by up to six years in total – without proper notice</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-7"><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/state-pension-shock-only-workers-in-mexico-and-chile-get-worse-a6756336.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/11/25/21/AS-pensioners-1-pa.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/state-pension-shock-only-workers-in-mexico-and-chile-get-worse-a6756336.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/state-pension-shock-only-workers-in-mexico-and-chile-get-worse-a6756336.html"><span class="media-prefix "></span>State pension shock: only workers in Mexico and Chile get worse</a></h1> <div class="lead"> <p>UK state pensions are among the least generous, according to an international think tank</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/03/30/18/web-DWP.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/pension-scams-letter-from-the-dwp-turned-out-to-be-a-fake-a6752341.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/pension-scams-letter-from-the-dwp-turned-out-to-be-a-fake-a6752341.html"><span class="media-prefix "></span>Pension scams: Letter from the DWP turned out to be a fake</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/10/30/22/AN84003441Andy-and-Michaela.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/spend-save/british-couple-could-lose-50000-after-investing-in-harlequin-property-a6715801.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/spend-save/british-couple-could-lose-50000-after-investing-in-harlequin-property-a6715801.html"><span class="media-prefix "></span>Couple could lose £50,000 after investing in Harlequin Property</a></h1> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/pensions/pension-freedom-i-wanted-access-to-my-savings-but-delays-cost-me-20000-a6706861.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-cc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/10/23/20/martin-baker-teri-pengilley.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/pension-freedom-i-wanted-access-to-my-savings-but-delays-cost-me-20000-a6706861.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/pension-freedom-i-wanted-access-to-my-savings-but-delays-cost-me-20000-a6706861.html"><span class="media-prefix "></span>Pension freedom: Delays cost me almost £20,000</a></h1> <div class="lead"> <p>It isn’t as easy to get your hands on your cash, warns Martin Baker</p> </div> </div> </div> </article><article data-weight="1" class="weight-1" data-locked="true"> <div id="mpu2" class="grid-mod-single-mpu"> </div> </article></div><div class="row" data-tb-region="row-8"><article data-weight="4" class="weight-4"><div class="partner-slots"> <div class="es-partners-slot 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href="/web/20161107051317/http://www.independent.co.uk/news/uk/politics/department-of-work-and-pensions-under-fire-for-spending-845m-on-40-second-workie-monster-film-a6703431.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/news/uk/politics/department-of-work-and-pensions-under-fire-for-spending-845m-on-40-second-workie-monster-film-a6703431.html"><span class="media-prefix "></span>DWP under fire for spending £8.45m on workplace pensions film</a></h1> <div class="lead"> <p>There's a place for cuddly characters in public information, says Gillian Orr, but it's not pension reform</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"> <div class="container-half grid-mod-half-story " data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/08/07/21/AN77005282BRISTOL-UNITED-KI.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/the-missing-link-in-pension-freedom-is-advice-and-cost-is-the-missing-link-in-advice-10446279.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/the-missing-link-in-pension-freedom-is-advice-and-cost-is-the-missing-link-in-advice-10446279.html"><span class="media-prefix "></span>The missing link in pension freedom is advice</a></h1> </div> </div> <div class="container-half grid-mod-half-story " data-tb-region-item="2-2"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size1/public/thumbnails/image/2015/05/08/16/pensioners-getty.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/dont-ignore-the-retirement-warning-boost-your-pension-10431795.html"></a> </div> </div> <div class="content"> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/dont-ignore-the-retirement-warning-boost-your-pension-10431795.html"><span class="media-prefix "></span>Don't ignore the retirement warning - boost your pension</a></h1> </div> </div> </article><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/pensions/women-affected-by-birth-date-lottery-appeal-to-pensions-minister-to-correct-unfair-anomaly-10431796.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2015/07/10/17/pension.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/women-affected-by-birth-date-lottery-appeal-to-pensions-minister-to-correct-unfair-anomaly-10431796.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/women-affected-by-birth-date-lottery-appeal-to-pensions-minister-to-correct-unfair-anomaly-10431796.html"><span class="media-prefix "></span>Women appeal to pensions minister to correct unfair anomaly</a></h1> <div class="lead"> <p>Around 700,000 women born between 1951 and 1953 will, from next April, be handed a smaller state pension than men of the same age</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-10"><article data-weight="4" class="weight-4"><div class="partner-slots"> <div class="es-partners-slot 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href="/web/20161107051317/http://www.independent.co.uk/money/think-your-retirement-savings-are-on-track-think-again-video-10397315.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/think-your-retirement-savings-are-on-track-think-again-video-10397315.html"><span class="media-prefix "></span>Think your retirement savings are on track? Think again - video</a></h1> <div class="lead"> <p>You could be facing a pension shortfall of thousands, a new report warns</p> </div> </div> </div> </article><article data-weight="1" class="weight-1"><div class="container grid-mod-list no-title"> <ul class="simple-news-list"> <li class="story" data-tb-region-item="2-1"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/savers-are-embracing-their-pension-freedom-and-so-are-the-scammers-10398155.html"> <div class="image-holder"> <img class="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" data-original="https://web.archive.org/web/20161107051317/https://static.independent.co.uk/s3fs-public/styles/storylist/public/thumbnails/image/2015/07/17/22/IN68337991955--The-gang-of-.jpg"/> </div> <h2>Savers are embracing their pension freedom ... and so are the scammers </h2> </a> </li> <li class="story" data-tb-region-item="2-2"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/simon-read-check-the-shortfall-in-your-retirement-income-now-before-its-too-late-10398156.html"> <div class="image-holder"> <img class="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" data-original="https://web.archive.org/web/20161107051317/https://static.independent.co.uk/s3fs-public/styles/storylist/public/thumbnails/image/2015/07/17/22/AN75614602EW9D1F-Mature-Cou.jpg"/> </div> <h2>Simon Read: 'Check the shortfall in your retirement income now, before</h2> </a> </li> <li class="story" data-tb-region-item="2-3"> <a href="/web/20161107051317/http://www.independent.co.uk/news/business/news/low-interest-rates-threaten-pensions-oecd-chief-warns-10343838.html"> <div class="image-holder"> <img class="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" data-original="https://web.archive.org/web/20161107051317/https://static.independent.co.uk/s3fs-public/styles/storylist/public/thumbnails/image/2013/03/16/19/v2-Savvy-GETTY.jpg"/> </div> <h2>Pension schemes and life insurance payouts at stake because of low</h2> </a> </li> <li class="story" data-tb-region-item="2-4"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/simon-read-ros-altmann-must-put-pensions-before-politics-10333462.html"> <div class="image-holder"> <img class="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" data-original="https://web.archive.org/web/20161107051317/https://static.independent.co.uk/s3fs-public/styles/storylist/public/thumbnails/image/2015/06/19/22/RosAltmann-Susannah Ireland.jpg"/> </div> <h2>Simon Read: 'Ros Altmann must put pensions before politics'</h2> </a> </li> <li class="story" data-tb-region-item="2-5"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/under-new-state-pension-rules-we-will-all-be-much-worse-off-10333219.html"> <div class="image-holder"> <img class="lazy" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" data-original="https://web.archive.org/web/20161107051317/https://static.independent.co.uk/s3fs-public/styles/storylist/public/thumbnails/image/2015/06/19/21/Seaside-Getty.jpg"/> </div> <h2>Under new state pension rules we will all be much worse off</h2> </a> </li> </ul> </div> </article><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/pensions/women-born-in-1950s-facing-severe-financial-hardship-over-pensions-could-have-fates-changed-by-ros-10279113.html" data-tb-region-item="3-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2014/12/04/00/AN57567436Ros-Altmann.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/women-born-in-1950s-facing-severe-financial-hardship-over-pensions-could-have-fates-changed-by-ros-10279113.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/women-born-in-1950s-facing-severe-financial-hardship-over-pensions-could-have-fates-changed-by-ros-10279113.html"><span class="media-prefix "></span>Women born in 1950s facing severe financial hardship over pensions</a></h1> <div class="lead"> <p>Women born in 1950s facing severe financial hardship over pensions could have fates changed by Ros Altmann - should she choose to help</p> </div> </div> </div> </article></div><div class="row" data-tb-region="row-12"><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/pensions/simon-read-the-fight-must-go-on-over-equality-on-expat-pensions-10202987.html" data-tb-region-item="1-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2015/04/24/19/Perth_afpgetty.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/simon-read-the-fight-must-go-on-over-equality-on-expat-pensions-10202987.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/simon-read-the-fight-must-go-on-over-equality-on-expat-pensions-10202987.html"><span class="media-prefix "></span>Simon Read: 'The fight must go on over equality on expat pensions'</a></h1> <div class="lead"> <p>Derrick Prance died in Australia, having failed in a long-running campaign to get justice for overseas British pensioners</p> </div> </div> </div> </article><article data-weight="2" class="weight-2"><div class="container grid-mod-story bottom-text grow-photo " data-url="/web/20161107051317oe_/http://www.independent.co.uk/money/pensions/mark-dampier-get-into-the-swing-why-equity-income-can-boost-your-pension-10202980.html" data-tb-region-item="2-1"> <div class="image_wrapper"> <div class="image image-align-tc lazy" data-original="https://static.independent.co.uk/s3fs-public/styles/size2/public/thumbnails/image/2015/04/24/19/MexicoCity_AP.jpg"> <a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/mark-dampier-get-into-the-swing-why-equity-income-can-boost-your-pension-10202980.html"></a> </div> </div> <div class="content"> <div class="capsules" data-capsule-count="0"> <ul> <li class="shares"> <span class="icon-trending"></span> <span class="label"></span> </li> </ul> </div> <h1><a href="/web/20161107051317/http://www.independent.co.uk/money/pensions/mark-dampier-get-into-the-swing-why-equity-income-can-boost-your-pension-10202980.html"><span class="media-prefix "></span>Mark Dampier: 'Get into the swing - 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