How complex are the decisions that pension savers need to make at retirement?

With automatic enrolment now well under way and around 9 million employees expected to be newly saving or saving more in pension schemes by 2018, there has been increasing focus on the design and quality of Defined Contribution (DC) schemes. So far the focus has mainly been on the accrual stage, employer contribution levels, the design of default investment strategies, and the level and transparency of charges.