"I have arranged my own pensions before and understand the tax relief available and the levels of contributions necessary to meet my retirement income needs. I am aware that there are several different pension products and am confident of researching each of them to ensure that the structure and charges are right for me. I am also confident in selecting either one fund or more that will provide a level of risk that I am comfortable with. I also understand that funds are influenced by inflation, interest rates and the economy and as a consequence, fluctuate in value; more so, the higher risk funds I hold. I intend to review my portfolio regularly by checking my pension funds online and will make switches where appropriate."

"In the past I have used a Financial Adviser to arrange my pensions. I know that each of the different type of pension provides different options, but I am not exactly sure of these differences. I wouldn't know where to start in calculating the premiums necessary to contribute to ensure that my retirement income needs are met. I do not feel confident picking my own funds. I would not be comfortable being left with the responsibility of ensuring my funds continue to perform as expected. I would feel happier receiving a helping hand and having someone explain things to me."