We are all approaching retirement but what should we expect? For some, it is a happy prospect. Others approach retirement knowing they face hardship and social exclusion. Amid alarming predictions of a 'demographic time bomb', governments and the private pensions industry urge everyone to plan and save now, but admit that there are risks. But will the pension funds deliver on their promises? Will the rich increasingly retire early but the poor work for longer? How reliable are state pension schemes? Do the USA, Sweden, or Australia have a 'better' approach to retirement pensions than the UK?...