Pension providers gamble with your money John,if they don't perform they still take a % of your loss,don't provide any data but cover themselves with the "value may rise or fall" bollox.....there should be no gamble with a pension.....i'm sure plenty of folk who paid into a pension all their lives only to be told on retirement that their pension took a battering in the last year....i'd settle for a comfy mattress any day!!