'Cash today, poverty tomorrow must be avoided, as large withdrawals from pension pots could mean later life hardship for many,' says the Association of British Insurers.

Five years after the introduction of pension freedoms, the Association of British Insurers is warning that many middle-aged savers may not be doing what's best with their pension pots.

A selection of Steve's top columns can help you avoid being scammed, understand the mysteries of the new state pension, and gain peace of mind by making the most of your pension savings.

Pension credit is a benefit for the poorest pensioners, and a surge in applications is likely to be underway due to the decision to means test pensioners for the free TV licence.

According to the Office for National Statistics, 11 per cent of private sector workers who have a pension are in a generous final salary scheme. This compares to 92 per cent in the public sector.

Anyone aged 47 or under must plan ahead if they want to retire earlier than 57, or will need cash for other purposes like paying off mortgages, home renovations or university fees for their children.

The Government's move means most doctors will no longer be hit by tax bills due to the hated 'taper' - but it shunned widespread calls to abolish the complicated pension tax rule altogether.

Barry O'Dwyer, chief exec of insurer Royal London, said the catastrophic rout caused by the coronavirus could mean some people nearing retirement age no longer have enough money left to live off.

We explain how you can mitigate the fallout from reducing or ending pension contributions for a time. Don't panic, stay vigilant against scams, and keep paying in if you can afford it.

With fear about coronavirus gripping the country, demand for wills is soaring. Law firms say they are seeing jumps in requests ranging between 30 and 70% compared with normal business.

Younger savers will have decades to recoup pension losses, but those close to retirement have tough decisions to make.

The number of families claiming child benefit has plunged by 44,000 to 7.28m over a year, and has fallen by well over half a million since 2012.

Savers who are under financial pressure or have lost jobs should beware scammers tempting them to tap pension pots early or switch them into higher risk investments.

Tom Selby, a senior analyst at financial services firm AJ Bell, explains how first-timers and experienced investors can avoid unnecessary losses and big tax bills

The guarantee should be abandoned to ensure the economic recovery from the coronavirus crisis is fair to working-age households, says the Social Market Foundation.

No frills cremations cost around £1,600 on average, and ashes are returned to a family afterwards, allowing them to organise a personal memorial at a time of their choosing.

Many savers have ditched these generous guaranteed pensions in recent years, often tempted by huge transfer value offers. We reveal six things you must consider if you're tempted.

We explain how pensions are treated while people are furloughed, including what happens if you are in your employer's 'salary sacrifice' scheme.

Former Pensions Minister Steve is This is Money's Agony Uncle. Here's where you can check out all his previous columns to see if any involve issues affecting you.

The only item in the will is his house, which will be split 50/50 between my brother and I anyway. There's nothing underhand going on in any way. Lawyer Jane Sutherland of Nelsons, pictured, replies.

Any saver expressing interest in ditching a final salary pension is to be warned off in a letter telling them it's unlikely to be in their best interests.

She's been keeping busy during the coronavirus lockdown in the company of her partner Azuka Ononye and their two daughters.

The Britain's Got Talent judge posted a photo of Azura, six, sweetly kissing her little sister Anaya, seven months, on the cheek.

Opting for a  casual grey T-shirt and shorts, Cowell, 60, looked relaxed as they prepared fro a coastal stroll through the upmarket suburb.

The music mogul, 60, has been self-isolating with his other half, 42, after California residents were put under lockdown in late March.

The Britain's Got Talent judge, 49, donned a fuchsia dress with a daring leg spit as she strutted her stuff while taking out her rubbish.

The comedian's husband Paul Drayton uploaded the hilarious clip to Instagram with the RuPaul's Drag Race UK judge wearing the sparkling suit with a bright orange wig.

The music and TV mogul lost the impressive amount of weight after adopting a healthier vegan lifestyle last year, and Amanda is hoping for other big changes in her pal too.   

The Britain's Got Talent judge, 41, gorgeous Hertfordshire property boasts chic furniture, a large garden, and a spacious gym that is jam-packed with everything Alesha needs to keep fit.

Amanda Holden has shared a glimpse into her extremely glamorous lockdown life on Instagram.

In an exclusive clip from the new online spin-off series Unseen, Amanda gives Simon some insight into translators that are available for their furry friends, leading him to say they've 'got to get one.'

Britain's Got Talent saw choir Sign Along With Us leave judges Amanda Holden and Alesha Dixon in tears with their heart-rending rendition of This Is Me from The Greatest Dancer.

Britain's Got Talent fans were left emotional on Saturday as Simon Cowell sweetly kissed son Eric, 6, after being blown away by a father and son magic act.

The Britain's Got Talent judge, 60, and his girlfriend Lauren Silverman were in for a shock on Saturday after being locked out of their Beverly Hills mansion.

Beth Porch, 25, who sings to child cancer patients at Great Ormond Street Hospital, joined a hopefuls at the series 17 auditions which were filmed earlier this year before the UK COVID-19 lockdown

In an exclusive clip from Saturday's show, the TV personality, 49, had her head in her hands as she stopped herself from watching Simon Cowell taking part in the act.

Saturday's BGT opening skit sees David greet Simon with a Union Jack car-boat causing the music mogul to swear, while the comedian later makes a remark about his recent weight loss.

Following an emotional audition which saw him pay tribute to his two sons, the Manchester performer earned a place in the live semi-finals.

Taking to Instagram on Sunday, the Britain's Got Talent judge, 49, shared sun-drenched snaps of herself enjoying a boozy day off 'before school is back'

The Britain's Got Talent judge, 49, opted for a simple grey vest and matching leggins as she listened to music during her walk in the sunshine on Monday.

In an exclusive clip from Saturday's show, the act can be seen making a dramatic entrance to the stage dressed as a troupe of zombies, with their moves making Amanda Holden gasp: 'Wow!'

The playful altercation happened while comedian David tried to serenade Simon during an audition by Bhim Niroula, who sang a self-penned love song.

Simon Cowell gave 12-year-old Fayth Ifil a clear run to the semi-finals after awarding her with his golden buzzer during Saturday's episode of Britain's Got Talent.

The Britain's Got Talent judge, 49, cut a glamorous figure for the day as she donned a beige long-sleeved dress with a deep v-neckline.

The Britain's Got Talent judge, 49, showcased her svelte figure in a pink silk midi dress with a black heart pattern on it.

Amanda Holden has shed some new light on when the Britain's Got Talent live shows will take place, after the COVID-19 crisis halted production on the current series.

Amanda Holden showed off her fun side and her incredible frame in a sizzling swimsuit-clad Instagram video on Thursday.

Amanda Holden has released a cover of Somewhere Over The Rainbow to help raise money for the NHS, during the current COVID-19 crisis.

Nora Barton, 96, who has Alzheimer's will tonight fulfil her dream of singing at the London Palladium - becoming the oldest ever contestant on Britain's Got Talent to boot - to prove life isn't for being put on hold.

The Britain's Got Talent judge, 49, put on a very leggy display in the post uploaded to Instagram on Saturday.