Whakarāpopototia te tuhinga:  Tata ki te haurua o ngā kaituku moni i kōwhiri ki te utu i ō rātau moni whakatipuranga hei wāhanga o ngā whakarerekētanga nui rawa i roto i te rau tau, ka hanga i tētahi 'tohunga kore whakaaro,' e ai ki tētahi kaitirotiro pūtea. I te Paenga-whāwhā 6, ka whakaaetia te hunga neke atu i te 55 tau ki te utu i te katoa, i tētahi wāhanga rānei o tō rātau pūtea whakatārewatanga, kaua ki te whakahau kia hoko i tētahi moni ā-marama mō te oranga katoa. Kua oati te Tari Taonga ki te tuku i ngā tūtakitanga hei āwhina i a rātau ki te whakatau he aha te mahi ki a rātau moni. Hei te marama e whai ake nei ka whakaaetia ngā pakeke ake i te 55 ki te utu i te katoa o tō rātou moni whakamana - engari e matapae ana ngā mātanga i te raruraru ina tae mai ngā whakarerekētanga i te mea kāore anō te ratonga tohutohu o te Treasury ki te whakahaere. Heoi anō, e whakatūpato ana te Mana Whakahaere Pūtea e tae atu ana ki te 40 ōrau o ngā kaituku moni e utu ana i ō rātou moni whakatārewatanga, ka 'kino kino rawa atu.' I ētahi wā, e kī ana rātau ka noho rawakore te hunga e whiwhi moni ana i a rātau e koroheketia ana. Ko Christopher Woolard, kaiwhakahaere o te rautaki me te whakataetae i te FCA, i korero ki te Telegraph: 'I roto i te maha o nga keehi kaore pea i te painga o te mema. 'Me whakarite e mātou ko te hunga e whakaaro ana ki te mahi i te reira e tino mōhio ana ki ngā painga pea e whakarerea ana e rātou.' Ka puta te whakatūpato i waenganui i te āwangawanga e kore e taea e ētahi kaituku moni te whakarite i tētahi wā ki te ratonga tohutohu mō te pūtea penapena a te Kāwanatanga <unk> ahakoa kotahi marama noa iho te roa o ngā whakahoutanga. E kī ana ngā kamupene inihua kei te whakapā atu rātau ki te ngaru o ngā kiritaki māharahara e kore nei e taea te whakarite i tētahi wā i runga i te waea rānei. E matapae ana ngā tohunga ka puta he raruraru ina tae mai ngā huringa, me te ratonga <unk>Pension Wise<unk> kāore tonu he tau waea, he ratonga tono rānei. E kī ana ngā kamupene inihua kei te whakapā atu rātau ki te ngaru o ngā kiritaki māharahara e kore nei e taea te whakarite i tētahi wā i runga i te waea rānei. I kii a Richard Jones, no Scottish Widows: "Kei te awangawanga ahau kei te whakawhirinaki rawa te Kawanatanga ki tana paetukutuku. He tokomaha e hiahia ana ki te tohutohu kanohi-ki-te-kanohi, waea rānei. <unk>E manukanuka ana au e kore rātou e kaha ki te aro atu ki te pikinga tuatahi. <unk>Kua waea mai ngā kiritaki ki a mātou mai i te tīmatanga o te tau e...
Hei te 6 o Paenga-whāwhā ka whakaaetia te hunga neke atu i te 55 tau ki te utu i te katoa, i tētahi wāhanga rānei o ō rātou moni whakamana. Engari e mea ana tētahi kaitirotiro pūtea ko te whiwhi moni hei 'tohunga kore whakaaro' E mea ana te Mana Whakahaere Moni ka 'tino kino' te āhua o ētahi Ka tāpiri i ētahi wā ka noho rawakore te tangata i te wā e pakeke haere ana. E tuku ana te Treasury i ngā taunga hei āwhina i ngā kaituku moni ki te whakatau he aha te mahi. Engari kaore he nama waea mahi a te ratonga 'Pension Wise'. Kāore e taea e ngā kaituku moni te whakarite i tētahi wā - kotahi marama noa iho te roa o te haerenga.