Self-invested pension options: A dig beneath the headlines

The concept of self-investment within a pension scheme is something we as an industry can sometimes take for granted nowadays, but it is useful to remind ourselves that there was a time when committing contributions to pensions meant tying them up for years and years, only then for them to form part of a lump sum that would be touted around the market to find the best annuity rate available, one which hopefully didn't just disappear in a puff of smoke should you be unfortunate to die soon after retirement. Thankfully we have come a long way since then. Generous tax breaks on the way in a...