Finding one's way through the minefield of pensions provision is getting more difficult all the time. Changes in recent Finance Acts have provided new options on pensions. They have also added a series of confusing new acronyms to the lexicon. ARFs (Approved Retirement Funds) and AMRFs (Approved Minimum Retirement Funds) are just two more ingredients designed to further confuse the ordinary investor.

Now Hibernian has produced a guide to the modern pension options - Retirement Choice. With clear graphs and plain English, it takes the novice through the choices on offer, outlining the advantages and disadvantages of particular courses of action.

While no substitute for professional advice, it is a valuable primer in the subject