Parents are rarely short of sources of crushing guilt and night-time waking, but here’s an unlikely new reason to feel you’ve let your offspring down. Have you got your kid a pension? If not, why not, you feckless loser? Rather than screen-free childhoods, Stem camp subscriptions or gourmet bento lunchboxes, the latest middle-class must-have, according to the Times, is a Junior Sipp, or “self-invested personal pension”. Get started early, and the voodoo of compound interest over time could mean you’re well on the way to making the apple of your eye an “alpha pension........

© The Guardian