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The government is tipped to relax trivial commutation rules in the Budget 2014, allowing pension pots with up to £10,000 to be cashed in at retirement.
Advisers using discretionary fund managers need to scrutinise the firm they outsource to, as they will be held responsible if something goes wrong, according to Simon Collins, managing director at Resources Compliance UK.
Chief secretary to the Treasury Danny Alexander is set to warn Scots that the costs of their pensions and other financial products would rise in the event of independence.
Alliance Trust has followed the same path as fellow Scottish provider Standard Life and set up additional companies domiciled in England as a contingency plan in the event of Scottish independence.
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