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There's five months to go until the new pension freedoms are upon us and, with them, the change in death benefit rules.

Having attended two excellent events in a week - a workshop by Enhance Compliance Solutions and an Infoline conference on Sipps - I thought I would reflect on the latest thoughts on capital adequacy calculations.

I write this aware that this is truly a 'First World Problem', so to speak, but political risk is a huge concern for those currently involved in pension planning.

I have to say I like a good jigsaw puzzle but there is nothing more frustrating when pieces are missing. George Osborne's announcement on the 29 September on changes to defined contributions death benefits turned out to be just like that.

The last few weeks have been somewhat manic in the financial press.

I spend a lot of my working life in planes, trains and automobiles and what appears to be even more time in airport security queues, waiting at overcrowded boarding gates and platforms and stuck in endless traffic jams. 

  1. MacGillivray Blog: Between a rock and a hard place
  2. MacGillivray Blog: The Grand Old Duke of Pensions
  3. MacGillivray Blog: If Einstein thought income tax was hard what chance do we have?
  4. Neil MacGillivray: Bleak future beckons for state pension

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