Pensions Simplified provides the simple facts on pensions and retirement planning, and gives plenty of examples on how to enjoy a happy and successful retirement with adequate financial security. The book shows what pensions pitfalls to avoid and how pension funds and schemes are structured. This thoroughly revised and up-to-date text looks at the whole range of pension options and possibilities. It covers pensions for the self-employed and partners, occupational pensions and state schemes, and stakeholder pensions - in fact, everything that you might need to know about planning for your retirement. It includes all the changes resulting from the latest Budget. The book tells you about: * how to choose a pension, set it up and care for it * taking account of the tax implications * retirement planning * what choices are offered at retirement * transfers and opt-outs * dealing with divorce and mortgages * death before and after retirement - and a host of other topics and relevant information. For anyone needing to know the current practice, available products and schemes, and the best way to sort out the ideal pensions package, this is the book for you.