Jonathan Stapleton says that while many blame the industry for many of the problems facing pensions, it is perhaps government that is more to blame.
In a speech last week, one of my pension heroes, BESTrustees chairman Alan Pickering, mentioned PP's campaign for the industry to be more pension positive.
But, while Alan said he wanted to be positive about pensions - and indeed noted there was quite a lot to be positive about - he said it was hard to be completely positive, especially when there were challenges too, some of which were at the policy level.
This got me thinking… Is the industry really at fault for the pension challenges we face? Or should the policymakers take more of the criticism?
And, if we look back over the past 30 or so years, some of the biggest ‘scandals' in pensions have either been caused by poor policy or have given rise to a slew of legislation that itself has caused issues down the line.
Would the mis-selling of the 1980s have occurred if the policy around personal pensions had been better thought through? And why did the Maxwell scandal in the 1990s - a reasonably straightforward case of theft - lead to such huge amounts of legislation, much of which had nothing to do with the problem itself and some of which actually damaged defined benefit provision going forward?
A-Day and pension simplification in 2006 could have been a step forward if the government hadn't started tinkering with tax relief allowances just a couple of years later.
And the joined-up and carefully thought-out plans for auto-enrolment would have looked much more impressive if the government's attempts to get more people saving through inertia hadn't been blurred by the introduction of pension freedoms in 2015.
With pension policy as disjointed as this, it is no wonder that people are a bit confused.
The industry, of course, could have done its bit to make pensions more coherent and reduce some of the issues today.
But to enable us to be really pension positive, we need to have policy that is much more joined-up and changed much less frequently.
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