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Last updated: April 6, 2011 1:53 pm

Q&A: What the pension changes mean

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Big changes to the way we save for pensions and take our retirement income come into force today.

Tom McPhail, leading pensions commentator and head of pensions research at Hargreaves Lansdown, answered your questions. FT Money reporter Josephine Cumbo also took part in the Q&A.

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