Includes index.

Contents: Introduction -- Pension schemes - a structure -- Personal pension arrangements -- Occupational pension schemes -- Basis of conventional annuities -- Definition of spouse and dependant -- With profit and unit- linked annuities -- Staggered pensions vesting -- Personal pensions drawdown -- Flexible annunites within occupational pension schemes -- Comparative factors in retirement options -- Appendix 1: Inland revenue rules relating to maximum benefits for service of less than 40 years with am employer -- Appendix 2: Inland revenue rules relating to maximum benefits for early retirement when less than 40 years service -- Appendix 3: Retained benefits from previous employments.