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  You clearly know nothing about the subject and you trying to argue with me makes you look foolish. Your usual defence is to rubbish the poster and to repeat blindly a favoured statistic without further substantiation or any evidence or anything substantial to say. I do not sell pensions, I sell a fee based financial advice service of which pensions are one of the tools I use to achieve a client's objectives based on thorough whole market research and good investment advice, with my fees reflecting performance. Provide the basis for that claim you make and I can point out the inconsistencies.
  
  You should be a journalist Reg, you never let the facts get in the way of a good story.

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