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Maybe it’s an odd British attitude or maybe it’s just me getting a little bit older, but given a chance I hear a lot of people moaning about anything and everything.

I just received one of those junk phone calls from a company called Appoint UK. Jo was very friendly and asked me if I have had a review of my pension in the last five years as “56% of pensions have fallen in value in the last five years.

During 2012 The Observer ran an investment competition with the teams being three seasoned investment professionals against a group of students and Orlando the cat. Yes, a cat.

We recently advised a new client who, alongside a well put together buy to let portfolio, had various pensions, one of which was a Scottish Widows plan dating from the mid-1990s.