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The UK private pensions system is not fit for purpose, it's claimed this morning - a huge proportion of our pensions disappear in fees, with charges swallowing up to 40% of the value of the pension. We speak to David Pitt-Watson, author of the report and Chair of Hermes Focus Asset Management who explains what a collective pension is and about fees in the UK.

The Riskmap 2011 from Control Risks identifies Iraq, Nigeria, Pakistan and Sudan as key states to watch for business risk. Richard Fenning, CEO of Control Risks, tells us what will be different in 2011 compared with 2010.

Three quarters of all businesses in the UK are family firms, and as a rule they tend to fare better in a recession. Rupert Merson, Associate Professor of Entrepreneurship at London Business School, tells us whether this statement is true, and whether private investors get scared off by family businesses.

And gold has had 10 consecutive years of price gains - and prices against sterling are now at record highs. The programme hears from Adrian Ash, Head of Research at Bullionvault - a company which now holds more gold bullion bars on behalf of its clients than the central banks of Canada, Ireland and Mexico combined.