The UK government's track record on pensions and retirement saving over the last nine and a half years is not one to be proud of. They inherited the best pension provisioned economy in the world, and under their tenure the savings rate has nearly halved; pension saving has fallen substantially; five sixths of company, final salary schemes have been closed since 2000 and 65,000 Employer Pension Schemes have closed since 1997. About 120,000 people lost their pensions when their companies went bust.

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