By now, you'll have waded through all manner of 2014 round-ups, but what lies ahead for the pension trustee or scheme manager is certainly more pressing.

This year’s myriad pension changes must now be made to fit at a scheme level. The watchword for both defined contribution and defined benefit schemes this year is reform. 

Under this giant umbrella will include charge capping, the "freedom and choice" changes, and pot-follows-member pensions consolidation. Not to mention any potential regulatory twists coming from Europe. 

The DC freedom and choice flexibilities are set to keep scheme managers on their toes for some time to come – either because decisions are yet to be made on what flex to offer members and how to deliver it, or because they face being overwhelmed by members champing at the bit to get their hands on their pots.

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