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Question 1 Anita has started her first job and is 22 years old. Her gross earnings are 18,000 per year and she is automatically enrolled into her employers defined contribution pension scheme. Anita contributes 5% of her earnings and this is topped up by 4% by employer contributions and tax relief. At retirement, she also expects to get a state pension worth 9,400 (before tax) in todays money.

1.1 - Using the Pension calculator, work out how much disposable income Anita will have in the first year of retirement if she retires at age 68 and uses the whole of her pension fund to buy an annuity (which, in the calculator, is an index-linked annuity). Assume that there has been no increase in Anitas real income or pensions savings strategy over this time period.

1.2a - Work out the sum of Anitas disposable income and drawdown income in the first year of retirement if she retires at age 68 and uses the whole of her pension fund for drawdown, choosing to draw out a fixed income equal to 33% of her gross pre-retirement income.

1.2b - Comment on the sustainability of Anitas drawdown strategy.

1.3 - Describe one advantage and one disadvantage for Anita in choosing an index-linked annuity rather than drawdown.

1.4 - Suggest one way in which governments may reduce the generosity of their state pension schemes and one reason why many governments are making such a change.