One bit of good news

[DaveB]

My pension made a 6.6% return in the last year after costs and charges.

Not great, but in the current climate it's not bad and at least I didnt lose money!

[TimberWolf]

Sterling lost about 30% and the real rate of price inflation is probably closer to 20% than the official figure.

[lukemg]

That isn't actually too bad for the ultra-safe, low risk funds and bonds that people should be shifting into with a couple of years to go before retirement. I presume this is the case for you, otherwise any UK index tracker would have smashed this by tens of % in a SIPP and overseas funds may have done much better (my S.E. Asia fund is up 40% in 2 years). Suggest you do some research and consider what your portfolio mix should be related to expected retirement date, virtually any mass-market fund with the usual pension providers will be pedestrian at best and hamstrung by charges.
HTH

[thunderlizard]

aye, the "current climate" that you're talking about is one where the FTSE 100 has gained about 33% in the past 12 months. (sorry to rain on your ticker-tape parade)

[scooterscot]

My pension made a 6.6% return in the last year after costs and charges.

Not great, but in the current climate it's not bad and at least I didnt lose money!

You need to talk to my IFA, my portfolio increased by 20% in the last 12 months, mostly FTSE & ASIA holdings..