Page

• Striking the right balance
  What's the difference between a regulator and the Chairman of OPRA? Only John Hayes CBE has the answer.

3

• Valentine's Day divorcees
• Stakeholder II - the sequel
• Pensions on the internet?

• Retirement just isn't working
  Have you thought about retirement? We're not talking pensions, but pastimes. Will you be organising charity events or be a charity case? Throw away those white slacks and let Victoria Arrowsmith's report save you from the bowling green.

• Money for Nothing?
  Regarding investment manager's fees, Confucius said: "What you pay for, you get." The Dome organiser said: "Expense does not always mean quality." Allison Plager's advice would be: take the pain out of payment with this comprehensive survey.

• Forecast - fog
  It descended upon the world of pensions, shrouded in mist, the question many scheme managers cannot ow answer: "What pension will I get when I retire?" Paul McGlone lights our way with his advice.

• Reign of terror
  A year ago, a group of managers entered the woods of investment. They were never seen again at industry functions. Their edited footage has now been released by Malcolm Clarke, but there is no need to be afraid.

• Banking on bonds
  Corporate bonds have been getting all the attention, it seems. Have they made a wallflower out of little Gilt? Stuart Steven acknowledges Equity's attractiveness, but reminds us that there's a risk in getting involved.

• Nothing ventured, nothing gained
  Across the pond, things sure are done on a grand scale, including investment. Should John Bull take a leaf out of Uncle Sam's book? Jonathan Diggins reports.

• Till death do us part?
  Iona Whitaker questions whether the marital vows of pension provision can remain unbroken under the strain of ill health retirement legislation.

• The trustee's long reach
  PA 95 has exacerbated the need to safeguard pension assets, and to ensure that trustees, administrators and advisers are up to date with the changing face of legislation. Brian Holden MBE has his finger on the button.

• Both a lender and a borrower be
  Buried treasure is hard to find in the world of finance, and the hunt is likely to be costly. But there could be plenty of investment capital there for the taking, says Jack McVite.
• Don't forget your pension
  Bar talk? We know the script: the weather, the spouse, the best mate crisis when you've had a bit too much. But take David Bunkle, a worried friend and a pint of bitter, and the conversation becomes financially profound.

46

• Political stage
  Government makes a rocky start to 2000: No, nothing to do with the Dome tickets, the river of fire or the Eye. Westminster had better things to do than clear up a broken bottle or two. Sue Ward explains why.
• Beginners' page
  The Big Brothers: "fear leads to... the dark side. I sense much fear in you." "Well don't be afraid", says Joe Robertson. "The Big Brothers of the pensions world are on your side. May their force be with you."
• Points of law
  Advisers in the dock: Robin Ellison puts his hand where his heart is and defends the right of advisers to wear Gucci, drive BMW's and speak to invisible people on their hands-free sets.
• Tax and benefit notes
  The trouble with transfers: Not only do they keep multiplying in number, they also involve a lot of legal wrangling. Graham Withers explains the importance of law for pensions professionals.

51

53

55