Here’s an unsettling mortal thought: When do you think you are going to die? It’s a question we generally seek to avoid, though thanks to recent changes in the pension market, it’s a question that’s taken on a new significance. Decades ago, one retired at sixty five and, on average, drew a decade of pension entitlement before departing for the sweet hereafter. In 2015, some of these certainties have gone. Not only are many of us taking early retirement, but equally as many ar