Question: How aware do you think the general public is about how recent changes to income tax and national insurance will affect their pension contributions? How can this awareness be raised?

NIGEL BARLOW is head of retirement income solutions at Just Retirement This situation can and will arise regularly as tax rates change. One possible solution would be to fix tax relief applying to pensions or even switch to collection of gross payments from pension scheme members' accounts and require the tax relief to be reclaimed. In itself this may cause as many problems as it solves but would, at least, ensure that pension contributions are not reduced when tax rates are. There has been considerable activity on the part of employers and providers to explain the effect of tax chang...