I have just read your brave editor’s letter in Pensions Management (November 2009).

I have just read your October Editor’s Letter ‘In this life, one thing counts, in the bank, large amounts’.

I was interested to read in the excellent interview with Frank Field over the storm he caused by suggesting in his Pensions Week column that short selling could have a far more devastating impact on pensions assets and security than Robert Maxwell.

I read with interest Owen Walker’s comment “I do not have enough to put in a self-invested personal pension (Sipp)” in the most recent edition of Pensions Management.

In his letter (PM May 2009), David Trenner asked: “What employer in its right mind would want to offer a pension scheme?”

For years, the mantra has been that employers need to provide good staff pensions in order to recruit and retain the best people. But is this true any more?

For more than seven years, the concept of corporate wrap or more appropriately corporate platform has been discussed and debated by employers, employee benefit consultants and financial services entities alike in the United Kingdom. The ability to deliver pension and non-pension solutions using payroll and flexible benefit interfaces will see the employer becoming a facilitator of diverse financial services solutions in the future.