Live webchat with Prudential's Vince Smith-Hughes, Monday 26 November, 2pm

Does your job position allow you to answer questions in an open, frank, and honest manner; if not then this exercise will be pointless.

Vince: what is your opinion of Discounted Gift Plans for IHT purposes? My IFA is recommending it, but it all seems a bit drastic. I am recently widowed and I know my late husband was a bit iffy about it, although the money man tells me that he was coming round to the idea . My 'Trustees' think it's a great idea - but they would wouldn't they! Your comments would be appreciated.

I'm ok pension-wise but I do worry for my son. He's in his late thirties, paying a huge chunk for child maintenance for my granddaughter (not that she necessarily sees any of it of course but that's another story). What little he does have he spends and I can't get cross at him for having that little bit of enjoyment. But I do worry about his future. Right now, he's managing but later on it could be an issue. Can I start a pension fund on his behalf? Or how do I make him see he needs to prepare for the future. He certainly can't rely on the state pension.

Is there any point in having a pension these days? Soi many people have saved for years to find that they don't have enough to live on. What advice should we be giving to our working children?

I have three (pathetic) pension pots from various past employers. Should I leave them alone or merge them (can I even do this?)

Hey Vince. How much should I allow myself per year to live off my pension? How can I predict how much money I will need to live in decades time?

Hello Vince, what do you think about tying money up in property instead of saving into a standard pension?

Hello. I was wondering whether it's better to get a pension with your employer or have one with a bank?

Hi Vince. I'm in my early 20's and haven't started saving for a pension yet, when do you think I should start? At the moment, I feel like my expenditures are so high (childcare, mortgage, train fare, food, petrol etc) I couldn't possibly set aside more money.

Not much I can ask about, currently unemployed, no pension plan, interest only mortgage with nothing in place to pay it off!

Hopeless case, really.