| 1 | You are dealing direct with the bank or insurance company | This means no one is looking out for just your interest |
| 2 | Your pension is invested in the default fund of ‘Managed’ or ‘With-profits’ | Check your last statement. Default is the ‘unplanned’ option |
| 3 | You started the pension before 2006 and have not had an independent review of the policy charges | Older policies have older charges |
| 4 | You have not had a review of the investments in the last 18 months | The investment market changes, your pension should keep pace |
| 5 | You don’t understand the paperwork | How do you know it is the best |
| 6 | You have not been asked how much investment risk you want to take with your pension funds | Higher risks can be taken in the longer term. Low risk often means low return |
| 7 | You haven’t increased the amount you are saving as your income has gone up | |
| 8 | You are a company director paying into a personal pension | You could be throwing away a 20% saving |
| 9 | You are keeping your income (or your partners) just below the NI threshold | The biggest ‘money saving’ mistake you could make |
| 10 | You are going to take the pension offered by the insurance company without getting independent advice | See the ‘Retiring now‘ page |
