work pension is in a very crappy, low risk, low return fund
i have sipp and a works pension
though i would like to retire much sooner
i've got 30 years till official retirement!
AFR moving only -63.22% now!
cash doesn't return anything though so is just dead money
and a pile of cash that i'm undecided where to invest!
my sipp is income funds, defensive blue chip stocks, foreign blue chip, gold
no oilies in my sipp account