And they wonder why people don’t understand and/or mistrust pensions? Every year, sometimes twice a year, there’s a rumour of changes to the pension rules, usually followed by changes to the pension rules. The changes-to-tax-relief one has been trotted out every year for as long as I’ve been scraping a living in the pensions business and this time it looks like one of the punters’ favourites. Any new legislation will be followed, of course, by another study of the bleedin’ obvious, to try and determine why we’re not saving enough for our retirement.