Setting sale: A survey by Saga found that 8 per cent of people approaching retirement said they would use some of their pension money for holidays The cruise industry is gearing up for what it hopes will be a bumper 2015 thanks to the Chancellor's pensions revolution. From April 6, the over-55s will be able to draw on all or part of their pensions as a lump sum, rather than being forced to buy an annuity.
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