Last updated: April 6, 2011 1:53 pm

Q&A: What the pension changes mean

Big changes to the way we save for pensions and take our retirement income come into force today.

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Tom McPhail, leading pensions commentator and head of pensions research at Hargreaves Lansdown, answered your questions. FT Money reporter Josephine Cumbo also took part in the Q&A.

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