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There is a common language when it comes to beer and bar snacks - we need the same for pensions.

Last week, the International Longevity Centre - UK (ILCUK) published a report concluding that young Britons need to save 18% of their earnings each year if they want an adequate income in retirement.

Apart from being a massive hit for Queen, this is a phrase that haunts Defined Benefit (DB) Trustees and Employers at each triennial valuation.