In a change of heart the National Association of Pension Funds (NAPF) is now agreeing with the Financial Services Authority (FSA) that decision trees within the stakeholder pension environment do not pose a threat of misselling.

When the FSA published its initial consultation document on stakeholder in May, Alan Pickering, NAPF chairman, denonunced decision tree flow charts - which help an individual chose which form of savings plan is right for them - as a 'horrifying prospect'. But the NAPF now claims that the Government's recent decision to allow individuals to be a member of both a stakeholder and an occupational scheme has helped to change its mind.