borasport,
I always received an annual statement, which depressed me for hours! I stopped paying into my personal pension 10+ years ago,(being self employed nobody else contributed) and as I neared my mid 50's, decided to take my 25% tax free lump sum before the goalposts were moved. A friend of mine is an IFA and he seconded the decision.
I spent the lot, and a bit more, on my 6 year old 330Ci in Jan this year. Every time I drive it I think 'that's less commission you blighters are getting'.
Best decision I made in years.
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