Should you stick with your final-salary pension scheme?

Most financial advisers assume that members of final-salary pension schemes are better off sticking with them. After all, these defined-benefit (DB) plans offer certainty about the pension you’ll receive for the rest of your life. Defined-contribution (DC) pension funds leave you vulnerable to unpredictable markets.

Despite the advantages of DB schemes, Old Mutual Wealth has just revealed that the number of its advisers considering whether to suggest clients transfer their money from a DB to a DC scheme increased by 65% last year. That followed a 91% rise in the previous year. Why? First, the [...]

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