Could you be bribed into leaving a great pension scheme?

A solid final salary pension scheme (which guarantees a particular payment every month in retirement) is one of the rarest things in the workplace: even rarer than a clean mug in the kitchen, someone who chats to strangers in the lift or someone who visits the water cooler on a Friday afternoon just because they're thirsty. In fact, just one in 10 people in the private sector have one.

If you do have one of these, the experts say you need to grab it with both hands and treasure it. So why is your company offering you a bung to try to persuade you to leave the scheme?