Usual fare: queues at a pie and mash shop at Upton Park. Photo: Getty
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The tasteful food van made me ponder – have football fans gone soft?

Once Wigan scored, though, it was a different story: the affable familes were suddenly full of hate and fury.

Out of the blue, on the eve of the match, a friend asked if I would like to go to Wembley, he had a spare ticket. Oh no, I do love Wembley, part of our heritage, but I was staying in for a Sky engineer, due between nine and five, possibly.

He was coming to add Sky Plus to my wife’s telly – a facility she had repeatedly said she did not want, she was happy with her ancient analogue set, but I’d got it into my head she must somehow be able to record progs. So far I’d had four engineers – from Curry’s, John Lewis and Sky, each failing – and each time my wife shouted I TOLD YOU I DID NOT WANT IT!

But I’d invested so much time and energy and money, I had to go on, achieve closure, as we say in modern journalism. I rang Sky, gave a sob story about suddenly being offered the Wembley ticket, and they came first thing and sorted it.

I parked as usual across from Finchley Road station, as I’ve done for 50 years, on the Hampstead side, near Freud’s house, knowing he wouldn’t be in, being dead. I feared the parking regulations might have changed since last I went, but I shut my eyes and ran through the underpass, straight on to the Tube, one stop to Wembley Park.

“Glazed Chicken Fillet’s”, said the sign on a van as I walked down Wembley Way. It wasn’t just the punctuation but the retro van, circa 1950s, that attracted my attention, painted vegetarian green, with some tasteful strings of garlic and onions artistically displayed in the front window. Have football fans gone healthy eating? While the driver was serving, I put my hand through the front window. All the veg was plastic. But it looked nice.

The Arsenal fans seemed to be totally outnumbering the Wigan supporters – but the strange thing was, they didn’t have any fave players on the back of their shirts. I spotted more Bergkamp or Henry than any present-day player. None of the Gooner chants mentioned, least of all praised, Manager Wenger. The songs were mainly anti-Spurs. I kept my head down.

Loads of excited kids, because Wembley, even for an FA semi-final, is a happy family outing, all taking pics of each other. Fans want to enjoy themselves, not hating the opposition, just glad to be there. It took me back to the 1966 World Cup, happy days.

My friend Jason was wearing his Arsenal scarf. For his sake, I wanted Arsenal to win and provide a south v north FA Cup final, but I didn’t care, either way. Massive amount of empty seats at the Wigan end, which was a surprise, but every Arsenal seat was taken. And they were loving it, singing their little hearts out. Till Wigan scored . . .

The atmosphere around me totally changed. The affable families, men, women and children, were suddenly full of hate and fury, standing up shouting, f***ing this, c*** that. I was shocked. Not far away, a fierce fistfight broke out – between two Arsenal fans. I could not believe it. Why try to kill each other? Jason, being a man of the world, Arsenal section, explained it would be pro- and anti-Wenger factions. He’s noticed that the hatred of Wenger on the Arsenal websites has become more violent and disturbing, with frequent fights at away games.

Fans have always been volatile, going from love to loathing in the same game, but I think today it has got worse. They feel entitled, paying all that money, their heroes being spoiled multimillionaires, so they are furious when things go wrong, as if they’ve been let down personally, attacked even. So they fight back, usually at the manager.

There’s a theory that football provides a perfect release for the worst of human emotions, that you can scream and swear, let it all out, then go back to being civilised. I’d have asked Sigmund on the way home to explain it better, but he was out . . .

Hunter Davies is a journalist, broadcaster and profilic author perhaps best known for writing about the Beatles. He is an ardent Tottenham fan and writes a regular column on football for the New Statesman.

This article first appeared in the 14 April 2014 issue of the New Statesman, Easter Double

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Stability is essential to solve the pension problem

The new chancellor must ensure we have a period of stability for pension policymaking in order for everyone to acclimatise to a new era of personal responsibility in retirement, says 

There was a time when retirement seemed to take care of itself. It was normal to work, retire and then receive the state pension plus a company final salary pension, often a fairly generous figure, which also paid out to a spouse or partner on death.

That normality simply doesn’t exist for most people in 2016. There is much less certainty on what retirement looks like. The genesis of these experiences also starts much earlier. As final salary schemes fall out of favour, the UK is reaching a tipping point where savings in ‘defined contribution’ pension schemes become the most prevalent form of traditional retirement saving.

Saving for a ‘pension’ can mean a multitude of different things and the way your savings are organised can make a big difference to whether or not you are able to do what you planned in your later life – and also how your money is treated once you die.

George Osborne established a place for himself in the canon of personal savings policy through the introduction of ‘freedom and choice’ in pensions in 2015. This changed the rules dramatically, and gave pension income a level of public interest it had never seen before. Effectively the policymakers changed the rules, left the ring and took the ropes with them as we entered a new era of personal responsibility in retirement.

But what difference has that made? Have people changed their plans as a result, and what does 'normal' for retirement income look like now?

Old Mutual Wealth has just released. with YouGov, its third detailed survey of how people in the UK are planning their income needs in retirement. What is becoming clear is that 'normal' looks nothing like it did before. People have adjusted and are operating according to a new normal.

In the new normal, people are reliant on multiple sources of income in retirement, including actively using their home, as more people anticipate downsizing to provide some income. 24 per cent of future retirees have said they would consider releasing value from their home in one way or another.

In the new normal, working beyond your state pension age is no longer seen as drudgery. With increasing longevity, the appeal of keeping busy with work has grown. Almost one-third of future retirees are expecting work to provide some of their income in retirement, with just under half suggesting one of the reasons for doing so would be to maintain social interaction.

The new normal means less binary decision-making. Each choice an individual makes along the way becomes critical, and the answers themselves are less obvious. How do you best invest your savings? Where is the best place for a rainy day fund? How do you want to take income in the future and what happens to your assets when you die?

 An abundance of choices to provide answers to the above questions is good, but too much choice can paralyse decision-making. The new normal requires a plan earlier in life.

All the while, policymakers have continued to give people plenty of things to think about. In the past 12 months alone, the previous chancellor deliberated over whether – and how – to cut pension tax relief for higher earners. The ‘pensions-ISA’ system was mooted as the culmination of a project to hand savers complete control over their retirement savings, while also providing a welcome boost to Treasury coffers in the short term.

During her time as pensions minister, Baroness Altmann voiced her support for the current system of taxing pension income, rather than contributions, indicating a split between the DWP and HM Treasury on the matter. Baroness Altmann’s replacement at the DWP is Richard Harrington. It remains to be seen how much influence he will have and on what side of the camp he sits regarding taxing pensions.

Meanwhile, Philip Hammond has entered the Treasury while our new Prime Minister calls for greater unity. Following a tumultuous time for pensions, a change in tone towards greater unity and cross-department collaboration would be very welcome.

In order for everyone to acclimatise properly to the new normal, the new chancellor should commit to a return to a longer-term, strategic approach to pensions policymaking, enabling all parties, from regulators and providers to customers, to make decisions with confidence that the landscape will not continue to shift as fundamentally as it has in recent times.

Steven Levin is CEO of investment platforms at Old Mutual Wealth.

To view all of Old Mutual Wealth’s retirement reports, visit: products-and-investments/ pensions/pensions2015/