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both you and Dunstonh referrred me to the ISA vs Pension thread but I can't locate it in the huge amount of stuff in the forums. I've tried 'search' but it brings up too many unrelated topics. Could you possibly create a link for me in a reply to make it easier?
Still haven't made a decision by the way about what to do with my pension fund ..... your comments about losing out on state benefits were spot on by the way. It may be useful for you to know if replying to other, similar enquiries that included in these lost benefits are things like Loft Insulation (about £200) and a new central heating boiler (about £3,000 including installation).