A little Christmas present from our new pensions minister, who, refreshingly I’m sure, comes to the post with no pensions experience. His manifesto includes auto-enrolment for the self-employed; a new financial guidance body for us to fund, following the success of the Money Advice Service (disbanded because it cost a fortune and no-one used it); an online ‘pension dashboard’ for us all not to use and a sort-out of final salary pensions, apparently generally OK with some ‘individual difficulties’ (like most of them being severely under-funded). Happy New Year.