	Pension schemes have returned between 10-14.6% per annum average over an extended period of time with little risk and not taking into account any tax relief other than the treatment of those funds as tax-free environment. .. Sounds too good to be true? But the evidence is here in Terry O'Halloran's new book, *Stakeholder Pensions - a practical guide. The Stakeholder pension debate is an essential part of the overall welfare review being carried out by the Government. This book is an essential part of that review. Pension funding is very complex in the UK compared to other countries* with legislation contradicting and complicating what should be fairly straight forward. The welfare review gives a superb opportunity to remove for ever some of these complications. It mustn't add another layer but chip away the complications and introduce simplicity.
	Welfare reform is a dynamic rearrangement of society for the next 20 to 50 years. Government must get it right, you the reader have to be involved to ensure vested interest and expensive experiments are sidelined and that proven tested mechanisms will deliver - to all. You will be assured to know you are contributing to a pot that will provide income over the longest holiday of your life, around 15 or 20 years!
	A wealth of experience underpins the arguments in Terry O'Halloran's book backed up by facts, with tables and analysis laid out in simple form to illustrate the issues.
	The bottom line is: pension schemes provide benefits to the vast majority of people. Many are suspicious and believe they are getting poor value for money. This leads to concerns that future generations will not wish to contribute for pensions in the way we do now.
	This book provides proof that good value is the order of the day.