A recent report looked at America, Australia, Switzerland Canada and Denmark. All these countries have similar freedoms in place to those in the UK. The report looked at how pensioners spent their money in those countries.
Alarmingly, if the Brits spent like the Ozzies 40% would run out of money at age 75! 10 years into retirement. Leaving for men an average further 12 years relying on the state pension alone.
In the study it was clear that the ones most affected in terms of detriment to their life styles was the middle class who were used to a better standard of living.
Because of the new “flat-rate” state pension, which comes in next year, and pensioners credit, retirees who run out of private pension savings are at low risk of falling into poverty but pensioners would be at “substantial” risk of falling below other poverty indicators, such as the “low income” threshold at 70pc of typical income.
The warnings are clear, please do not dice with your pension, if you make the wrong choices you could regret it for most of the rest of your life.
That is the question concerning many expatriates at the moment. What a difference a few days can make to the whole issue, before Cameron went to the EU to try to negotiate with a group of people that dislike anything that could disrupt the status quo or threaten their position (no matter how valid the argument), it looked like the in vote had the upper hand. 
If you’ve moved overseas or have a second home in France, you may be used to calling several places home. After all,