Opinion The pensions emperor is wearing no clothes John FoxMoney ManagementBy John FoxJohn Fox is managing director of Liberty SIPPArticle continues after advertPage 2 of 2Previous|Next More on Opinion Opinion 'Small businesses must adapt and overcome employment bill changes' Peter Done Opinion 'Pensions withdrawn without advice reaching worrying numbers' Stephen Lowe Opinion 'Pensions tinkering expected this Budget to plug £22bn black hole' Adrian Boulding Opinion 'Chatbots pose a risk for financial services firms' Zoe Morton Opinion 'Scrapping Lisa house price cap could boost first-time buyer market' Jim Islam Opinion 'Starling fine shows FCA is serious about sanctions' Aziz Rahman