Article: How terror is taking its toll on pensions; ASK THE EXPERTS Edited by Abigail Montrose.

FINANCIAL MAIL'S experts answer queries on a range of topics. Today's team is RAY BOULGER at the London office of independent mortgage and financial adviser Charcol; GRAHAM BATES at the Leeds office of independent adviser Bates Investment Services; JOHN SHEFFIELD of AIS Pensions in Wimbledon, southwest London; RICHARD HUNTER of NatWest Stockbrokers; and MIKE WARBURTON of chartered accountant Grant Thornton in Cheltenham, Gloucestershire.

If you have a personal finance query, write to: Ask the Experts, Room 356, Financial Mail, 2 Derry Street, London W8 5TS.

Please send only copies of original documents, which we regret cannot be returned.

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