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How to improve the pension system—and save £10 billion

A system to encourage basic-rate taxpayers to start saving

By Craig Mackinlay  

Work and Pensions Secretary Iain Duncan Smith. ©Dave Thompson/PA Wire/Press Association Images

Read more: Imagine what we could do if we got pensions right

The last 20 years have seen tumultuous changes to pensions—state, public sector and private sector ones alike. Yet more reform is likely, in the area of tax relief. From my work as both a chartered accountant and chartered tax adviser, I know that our tax code is already too complicated, running to nearly 20,000…

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