Early access would help

Dear Editor, We believe we have found a new way out of the pensions crisis. As a nation we need to save more for our retirement, but a succession of initiatives over the last ten years have achieved little by way of increased saving among Britain's hard pressed families. Research, which we have just concluded with Pensions Policy Institute and B&C E Benefit Schemes, shows that a counter-intuitive approach would work. You might think that if people could access their pension funds early, then their savings would be depleted. Current rules prevent access before age 50, and indeed are abou...