I have to be honest, I pay my pension each month and never ask any questions about how it is invested? I now have a list of questions. 1- Who manages our pensions and what 'cut' do they take? 2. is there a seperate fund manager, what is their commison? 3. How do we know if the money has been invested wisely or not? 4. If somebody has a stake in our pensionsdo they incur penaltiies they if they do not perform? I should have asked these questions along time ago.