Is it finally time for an independent Pensions Commission?
Chancellor set to receive a windfall to the tune of £30bn
Time to acknowledge the 'foggy nature' of current conditions
Business, valuation and flow risks are biggest market challenges
Plus predictions for 2023 though crystal ball looking 'murky'
Introduction of three mutually exclusive fund labels
Laith Khalaf says the golden age of the annuity is in the rearview mirror