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member’s uncrystallised rights beneath the scheme. It must be registered with HMRC, satisfy the CAT requirements and be registered with the Pensions Regulator as a stakeholder scheme.

It is certainly one of a range of failed pensions policy initiatives; the DWP website devoted to stakeholder has been eliminated, but the legislation continues. SRI laws Occupational Pension Schemes (Investment) Regulations 1996 SI 1996 No 3127 (as amended by SI 1999 No 1849) reg 11A and SI 1998 No 1831 (as amended by SI 1999 No 3259) reg 9A. Spousal by-move belief A belief of lump sum pension dying benefits from a registered scheme under which the

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