P ension: Since auto-enrollment began in the UK in 2012, we are beginning to properly save for our retirement. On this show, Robert Parker - Chair of the  Personal Financial Society - talks about the differences between state and private pension, risks that are involved with investing your pension in stocks and shares and many more issues related to your pension. Universal Credit:   How do you apply for such a benefit? When are you going to be migrated to it? What are the condition for applying it? What is included as part of the claim? What does it not include? I talk about all the above issues and more.