As announced on 14 October 2010, in the summary of responses to the discussion document on restricting pensions tax relief, the government is ready to act to prevent additional fiscal risk from changes in patterns of pension saving behaviour using unregistered pension saving arrangements, including unfunded workplace pensions.

The government has since introduced legislation implementing restrictions on pensions tax relief through existing allowances and on disguised remuneration in Finance Act 2011.

The government will continue to monitor the use of unfunded pension arrangements, and remains ready to act as necessary to prevent new and extensive use of these arrangements from creating a significant fiscal risk and undermining its objective of a more affordable pensions regime.

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