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Part of the purpose of onlinepensioninfo.co.uk is to inform you impartially about all things pension-related in the United Kingdom. However, we also offer our opinion on such pension-related matters. Our opinions (based on our analysis of the events of the last 5 years and our views as to the future) are given in good faith, but they are exactly that: our opinions. Any investment decision which you make should be based on a considered decision of your own following appropriate research on your part. You must accept full responsibility for the success or failure of your investment decisions. We are not financial advisors and the opinions and information available on this site do not constitute financial advice. If you want investment advice you should consult an appropriately qualified financial advisor.