The government's probe into allowing early access was a political rather than practical move and the Treasury knew the idea would be rejected, a lawyer has claimed.
Earlier this week the Treasury announced it will not consider allowing savers early access to their retirement pots in any form at this time.
The department claimed this is because it received no evidence allowing access to pension funds before age 55 would improve pension savings.
However, Robin Ellison, head of pensions strategic development at Pinsent Masons, claimed there was never any real possibility the Treasury would allow early access.
"The Treasury knew what the outcome of the consultation was going to be before it started, and the exercise was more political than real, even though the outcome was a sensible one," Ellison said.
He added the Treasury's response to the consultation evidence failed to mention the major reasons why early access was rejected, which he said was it would go against this government's drive for simplicity.
"Pensions are legalised form of gambling on longevity, and the tax system recognises that.
"Pensions and savings are two very different things, and once you mix them up, the system gets very untidy," he said.
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