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It’s that time of year again when pension savings statements are being issued. They should have been issued by 6 October following the end of the relevant tax year, so will be sent out about now for the 2016/17 tax year.

One thing that makes my blood boil is the blame SIPPs get every time there is a release of information on complaints.

I can’t help but feel a bit cheated when I am sat in the office on Budget day waiting for some surprise pensions announcement by the Chancellor and there is not only no surprise, but the word pension is only mentioned twice in the whole speech.

Recently there was a consumer programme on Radio 4 at lunchtime which reignited in my mind the need for a permitted investment list for SIPPs.

In the run-up to pension freedoms people seemed to be speaking about pensions in a different way. There was new excitement over the removal of the need to buy an annuity (even though this had been the case for some time already).

Crypto currency may sound like something from a science fiction movie or Series 11 of Doctor Who, which will see Jodie Whittaker become the first female Doctor, but the reality is investors are piling a lot of money into these vehicles.

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