Mis-sold pension same as mis-sold pension ?

In a word NO You cannot touch a pension pot until you are at least 50 (in most cases) The old maxim also applies - You get out what you put in ie small contributions = small pension. Eric

If you stopped contributing then you've stopped buying units when they are cheap - a pity. If you are one of the breed of investors who only buys when things are going well then you're in for disappointments from time to time. Were you not told that values could go up and down? And what fund are you in anyway? And what type of scheme is it? One with high charges or not?

A blanket comment of 'Since then its done absolutely rubbish (I stopped contributing a while ago).' is likely to be to your disadvantage. Get a grip.

Rob Graham

Very true - the joys of Pound Cost Averaging. :)

I usually have to explain to most people that it's best if the units decrease in value, for a regular savings contract, then have a huge increase the day before maturity. A bit over-dramatic, but it usually gets the point across. :)

Exactly. And the problem often is that people buy something, not really understanding it, and then don't look at it any more and whinge if it goes wrong. I wonder whether they would service their cars regularly, or complain to the manufacturers when it goes wrong with no servicing.

Rob