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    Reg - I suggest that you re-read what I have already said. I have pointed out that the survey must have included old pensions that are no longer marketed, the 'back-book' Webb refers to. In that Webb has a good point.

    I have also pointed out that the so called 'hidden fees' highlighted by the survey includes stamp duty, imposed by the government. All such fees are included in the Stakeholder Pension charge cap as laid down by your own government and that is why passive or 'pseudo passive' funds tend to be where stakeholders invest in the main part. Passive v active is a debate in itself, I often utilise strategies that include both.

    I have tried to explain the facts but as always you conveniently ignore them because they get in the way of a chance for petty digs and point scoring.

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