Money purchase plans are set to be employers' pension scheme of choice, one expert believes.
Des Hamilton, of the Pension Advisory Service, said: "It is quite clear that employers, almost universally, with the exception of the public sector, have made the decision that the future for them as an employer is having money purchase pension arrangements as that passes all the risk to the employees."
He added that employers were not prepared to put in place a final salary pension scheme and that, in fact, most were "looking for ways to get out of them".
Mr Hamilton also said that in ten years time money purchase schemes would dominate private sector pensions provision.
According to Age Concern, the number of people eligible to draw a pension will increase to 12.2 million in 2011.
The government plans to introduce a new UK pensions scheme in 2010.
Called the personal accounts scheme, the pension scheme is aimed at the seven million Britons who are failing to save for their retirement .




