The short-termist approach adopted by many asset managers is putting investments at risk, but pension funds could encourage them to address long-term issues

The government believes pensions are the best way to encourage people to save more in the long term, and personal accounts is a cornerstone of these plans for reform

The shift away from DB has arguably gone too far in terms of who shoulders the risk, but working towards a hybrid solution could put pensions back on track

The long-suffering pensions industry and the UK population would benefit most from a little stability at the DWP, rather than the frustration of continuous reshuffles

Many condemn the disparity between public and private sector pension provision, with the former often deemed unsustainable. But the costs can often obscure the truer picture

The cavernous gap between private and public sector pensions must be reduced as the difference in earnings levels has also shrunk, and ministers should lead the way

Ahead of the introduction of auto-enrolment in 2012, the process to procure the administrative services that will form the backbone of the system has now begun.