And we have seen bold moves to combine nine pensions tax regimes into one, meaning that for the vast majority of people, tax will not be a factor when it comes to saving in a pension.

BBC: Analysis

Another factor in play is the untracked amount of allocations from pension funds and other institutional investors into the loan market.

FORBES: Connect

For this group, a common factor in most plans is the utilization of a current market interest rate to convert the monthly pension to a lump sum figure.

FORBES: The Early Retirement Income Challenge