Retirement

Complaints driven by general insurance sales

Savers unaware of tax implication in lump sum withdrawals

High life expectancy and low returns to blame

Negative reaction to Budget

More annuities sold than drawdown in Q4

Design the least difficult aspect, says Space's Marilyn Cole

Auto-enrolment is heating up for small businesses

Providers still maintain demand is growing

FAMR said bosses should play a more active role

'The public does not always think rationally, or even sensibly'