Five things your clients will call you about this week

1). What about private sector pensions? While the focus in recent weeks may have been on public sector pensions, the Sunday Telegraph shone some light on the concerns faced by those retiring with private sector pensions. Falling annuity rates and volatile stock markets mean people retiring now will be 18% worse off than those who retired three years ago, according to Aon Hewitt's DC Tracker Index.   2). Should I raid my pot early? With loans hard to come by, it is easy to see why some people approaching retirement might choose to raid their pension and take a tax-free lump sum ...