Smart Money

Thirty years of hard investment work could be in vain if a bad choice is made at retirement

'An easier and cheaper solution for the regulator would be to push for compulsory financial education in every school'

'Around a fifth of surviving private sector final-salary pension schemes have slimmed down benefits by switching from RPI to the lower CPI inflation measure'

'I've learnt one of investing's important lessons - know your limits. I'm a long-term investor, not a trader - although perhaps this will change in future'