What will funds look like post-2012?

I hope that 2011 will bring you health, happiness and, who knows, even wealth. If I sound sceptical about the wealth bit, it is because my commuting costs have just shot up; the price of food is doing the same and, of course, we have just had the VAT increase. Now at an all-time high of 20%, VAT is double the original 10% rate of 1973 (even the VAT rate is something to be nostalgic about). After digesting all that, in April there is the National Insurance Contribution (NIC) rate increase to look forward to. All this talk of three-letter abbreviations brings me seamlessly on to the RDR. ...