There’s something cathartic about the start of a new year, don’t you think? Throw the horrors of the past 12 months over your shoulder and stride forward with renewed hope and optimism.
There has been a "seismic collapse" in private sector pensions, and the gap between private and public pensions is widening, a report warns.
Pensions continued to dominate headlines in 2011. It's not too surprising considering the UK faces a savings crisis expected to hit in 10 to 15 years.
It has been a busy year and, looking back on the past 12 months, it is difficult to believe how much the industry has had to deal with in 2011.
In November, the Pensions Minister Steve Webb announced that reforms designed to get millions more people saving through workplace pensions will now be brought in more gradually.