Most people have no idea what a defined benefit pension scheme is. But if you're in one, you know how lucky you are! In this video, we explain why final salary pensions are in terminal decline and what makes them so valuable for those who are still accruing benefits.

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Martin Bamford is an awardwinning Chartered Financial Planner, Fellow of the Personal Finance Society and Director of Client Education at Informed Choice. He’s author of three bestselling personal finance books and coauthor of Harriman’s New Book of Investing Rules.

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