Pensions - no laughing matter

It is a well known fact that we are not saving enough towards our retirement in this country, however it is a miracle that anyone is bothering to save for it at all, given all the current uncertainty surrounding pensions. First, we had the Westminster Government moving the goalposts (and Calton is still trying to work out exactly how many years National Insurance contributions he has) and now we have the possibility that a yes vote in the independence referendum will throw another huge spanner in the works for Scots. Does anybody really believe the SNP's line that it will all be alright on the night? Not Calton. He wants to see the figures, especially since part of his retirement income is going to come from a UK-wide company pension scheme. EU insistence that cross-border schemes be fully funded is a) going to prove a major headache if Scotland becomes independent and b) could scupper a large number of company pension schemes and, indeed, companies, not to mention the pension expectations of their employees. At the risk of being branded a clown by Ken Clarke (pot? kettle?) Calton sees this as yet another good reason for us to leave the EU (and stay in the UK).