If they are from a personal pension arrangement then they can be similarly cashed in but only on two occasions in any individual's lifetime.

BBC: Pension planning: When to take a cash lump sum

Having said that, there are opportunities for employees to work directly with their managers to determine the best work arrangement based on personal needs.

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In addition to warding off droves of camera-clad onlookers at otherwise highly personal events, this type of arrangement guarantees both an image the stars approve of and a sum of money they pocket or, in many cases, donate to charity.

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He had asked Mr Millin to be his personal piper: not a feudal but a military arrangement.

ECONOMIST: Bill Millin