Three things your clients may call you about this week …

‘I transferred my £570,000 final salary pension - and regret it' In this Telegraph article, a 53-year-old engineer regrets transferring his £28,000-a-year defined benefit pension for more than £500,000. He put the transferred funds, plus another £30,000 from another pension, into a self-invested personal pension (Sipp) but has now realised he needs to grow it to around £1.2m over the next 15 years to match the benefits he gave up. To make life harder, he is now on "a more modest salary" and tells the Telegraph: "After three years of dismal growth, my Sipp is now worth around £570,000 a...