Provision for pensions and retirement income in the United Kingdom may be made in two basic ways: by state retirement pensions and by private provision1. The latter may provide a retirement pension by means of personal pension plans2 or occupational pension schemes3. In addition, there are public service schemes for workers in the public sector4. This title deals with personal and occupational pension provision. Public service pension schemes are discussed in relation to the general legislation only and not in relation to the details of schemes made for particular categories of employees or public servants
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