We are living longer. That is a fact. But whether we need to work longer should be optional. The choice should be ours, and ours alone. For some people, however, working well into their old age could be unavoidable because they have not been able to put away enough money during their working lives that would allow them to retire. That is troubling. What’s more, Larry Fink, the boss of Blackrock, has put the cat amongst the pigeons by suggesting that people could need to work beyond 65 years of age in order to retire comfortably. That might be true for a population as a whole. But whilst averages can be handy, they can also be misleading. Let’s be clear about a couple of things. Fink is not wrong. But he is also promoting a new Blackrock target-date fund called LifePath. It could help many people close the retirement gap, which is how much money they  ...