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    It is Labour stalwart Hutton who has published today a review of public sector pensions and has come out with a range of proposals to make them more affordable.

    The public sector are lucky, they will still be able to get a guaranteed proportion of their salary with at least some indexation. They will have to pay a bit more for it, work longer and it will be based on lifetime earnings instead of final salary but they remain far better off than the vast majority of people in the private sector.

    By the way Keith. You are able to access your personal pensions from age 55 but it is very unlikely that there will be enough for you to be able to retire on it unless you are very well off indeed and have invested a lot of money.

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