Are you one of the 4.2m British workers relying on a stock market-linked company pension scheme to pay for your retirement? If you are, do you know how your money is being invested? If not, then don't assume it's being put to work in a wise way. In fact, if you don't mind taking an extra level of risk to get a bigger pension, or giving up a few hours of your time to make it happen, it's probably safer to assume you could do a better job by investing it yourself: not all is well in the land of pension fund management.
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