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• Pensions Projections
  Forget the Tardis and the Time Warp, a bit of foresight is all we need. Ann Robinson looks to the future of pensions in the year 3000.

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• BP ends clawback
• Ethical re-evaluation
• Get ready for FRED

• Finding the link
  Is there hope for the pensioners of tomorrow or will society be divided into the sheep and the goats? Baroness Castle is wary of the Government’s Welfare and Reform Bill.

• The Phantom of the OPRA
  "The Phantom of the operator’s here, inside your mind... Beware the Phantom of the OPRA". Some delegates at last month’s ICAEW Pensions conference thought so. Simoney Girard was there to hear the chorus of opinion.

• Another day, another scandal
  Dark dealings have been discovered in the transfer of assets. The Inland Revenue is being bypassed by legal loopholes, and the perpetrators of the scandal are getting rich. Stuart James turns sleuth to reveal the scams of the pensions underworld.

• What’s at stake?
  The stakeholder is the Government’s odds on favourite. But with so many pension schemes being offered, is choosing a scheme like playing a game of Russian Roulette with your savings? Brendan Meehan and David Fripp are hedging their bets.

• Moral Money
  Now Christmas has come and the charities are sending out appeals, perhaps you would consider giving to the worthy causes of landmine planting, pornography and mass deforestation? Of course not. But is this where your money is being invested? Antonia Senior’s survey shows that ethical investment is possible.

• Steering a path for success
  Pensions administration software houses are not easy to find, let alone understand. Allison Plager thinks it is about time someone gave users a decent map.

• Out of the Darkness
  Tunnel vision in investment is always a bad policy. But now there is light at the end, provided that fund managers look ahead and adapt their strategy accordingly, says Graham Wright.

• Trustee topics
  New Year’s resolutions: Whether you decide to fight that flab or be nicer to the mother in law, your resolutions should include a review of your portfolio. Sally Bridgeland shows how it can be done.
• Political stage
  Amend Thy Ways: Parliament has been playing ping-pong with the Welfare Reform and Pensions Bill, as Sue Ward has discovered.
• Points of Law
  I should be so ethical: Our friendly neighbour, Robin Ellison gets on stage to strut his stuff to a bit of Kylie. But is it so ethical? Here he provides hot tips for trustees.
• Beginners’ page
  Three’s company: Simplicity and certainty are under attack, but can a third party save the day? Lawless Bethune rides to the rescue with some advice.
• Tax and benefit notes
  Clarity begins at home: The UK might not benefit completely from a simplified, integrated tax regime. Mervyn Parry reports.

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