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“I’m Nigel from Bolton reading the history of pension transfers” is unlikely to be something you’ll hear on University Challenge, for a wide range of reasons. However, it’s important to understand how we got to where we are now. As history students will know, this allows us to better understand the present and predict the future. Given the Financial Conduct Authority's (FCA) announcement in April that they will be opening a consultation on defined benefit (DB) to defined contribution (DC) transfers, lessons from history are relevant."