Is early access the best option?

The HM Treasury call for evidence on “Early access to pensions savings” was published in December. Its aim was to identify a possible resulting boost to pension saving, the risks and complexities it may involve, and whether any specific models of providing early access have particular merits. When I first read the paper I have to admit to being a little perplexed. On the one hand I could understand why the Government might think that it could encourage more people to save, or provide greater flexibility for individuals facing financial hardship. Some investors will feel uncomfortable wit...