In my late 20's i decided to be sensible after it being drilled into me about how important a pension was oh how they were wrong, i put my hard money into it with scottish widows for years, not huge amount it was £8100.00 ive just discovered balence is now £3200.00 Scottish widows have lost over half my money. The salesperson told me its absolutely 100% safe and it would only ever go up, i said i dont want no risk type pension just a safe saving place. I would never recommend a pension to anybody if you save then put it under your bed or in a separate saving account. I have been ripped off by Scottish Widows, What angers me is there is thousands of people who even losing £1000 a week! and trading standards not doing a single thing as normal just sat back letting it happen.