As he enters his 75th year, one of the UK's leading SIPP and pensions experts John Moret, still working part-time in the pensions sector, has written a series of articles for Financial Planning Today reflecting on topics that have occupied him over the last 50-plus years. This is the fourth article in the series. Previous articles are available on Financial Planning Today by searching for 'john moret.'

One of the UK's leading SIPP and pensions experts John Moret, still working part-time in the pensions sector in his seventies, has written a series of articles for Financial Planning Today reflecting on topics that have occupied him over the last 50-plus years. This is the fifth article in the series. Previous articles are available on Financial Planning Today by searching for 'john moret.'