In our weekly series , readers can email any question about their finances, to be answered by our expert, Rosie Hooper. Rosie is a chartered financial planner at Quilter Cheviot and has worked in financial services for 25 years. If you have a question for her, email us at money@inews.co.uk

Question: I started taking my state pension before April 2016 and then decided to defer it, in order to get a bigger state pension in the future. I know the rules have changed on deferrals recently, so will the old rules apply to me, or the new ones?

Answer: It’s a sensible question, because the way deferral works has changed dramatically, and the difference between the old and new systems is not small.

If you reached state pension age before 6 April 2016, you remain under the older rules. De

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