I have been paying into a private pension scheme for a few years and thought I would review it recently. It turns out that it's worth 15% less than I've actually paid in yet the law says I can't take the money and invest it elsewhere as it's a pension and I'm not allowed to have my own money until I'm 55. So I have to leave it with the fund managers to lose even more for me. By the time I'm 55 there will nothing left the way things are going.

Moan over.