Is your pension being exposed to scams?

An email plonks into my inbox headed "Hello, there, Tony". That struck me as odd – not the sort of greeting my friends would use. But it had escaped my spam filter, so I had a look.

It came from Panama, a Central American tax haven which I have never visited. But the sender was evidently aware of me as the message said I was receiving the email because "you are a valued subscriber of our products".