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The final countdown
The European Union’s plans for pension reform and its solvency requirements could deal a deadly blow to final-salary schemes.
Holding pattern
Advisers and their clients face stark drawdown choices but the answer could be to hold back some assets until rates improve, Gregor Watt reports
The X factor
It seems as though Generation X has a mountain to climb in planning for retirement but segmenting the process could give them a firmer footing




