Rachel Vahey

Only 7% believe firms said the changes will encourage savers to become investors

'What is particularly galling is that there were viable alternatives'

Final guidance to be published in Spring 2027

Poised to receive Royal Assent

'HMRC has had years to clear this up but has sat on its hands'

'The secret is giving people the right information at the right time'

What can we expect to see for pensions next year?

'It's a great pity HMRC couldn't have been a bit braver and taken the sensible approach'

Concerns raised about meeting the six-month deadline

Inviting responses on how the reforms will work in practice