Like most people you probably have one or more pensions and, like most people:

You're pretty disillusioned with pensions in general.

You don't fully understand the "blurb" your pension companies send you.

You're worried that the newspapers are right - they are a rip off.

You don't really know what they are invested in and why.

And you wonder whether putting more money in is just throwing good money after bad..

The funds in most pension plans are not actively monitored by an adviser - so they underperform and keep underperforming.

Many people are not getting value for money because they are paying higher charges than necessary for the administration of their pension plan.