‘It is really important to incentivise people to save for the long term, but we need to consider how best that can be achieved. We need to be sure we are offering the right incentives, at the right time’ (Baroness Altman, UK Pensions Minister)

Prepare an article for publication in a quality newspaper which:
1. CRITICALLY considers the above statement
2. discuss whether successive UK governments have created an environment that encourages consumers to grasp the importance of planning for retirement.

You should support your arguments with appropriate research, giving particular consideration to the UK Government’s proposals to overhaul tax relief on pensions and to the introduction of new pension freedoms from 6 April 2015.