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Yes. some older products have ongoing fees which continue after you have stopped paying into them. Someone who paid into a product for a couple of years and then left it untouched for a couple of decades or more could find much of the pot has vanished in fees.
All pensions have fees that continue regardless of whether you are still contributing or not. Normally investment growth would mean that you would have to be very unfortunate/badly invested to mean the pot actually shrunk You can’t be right, I had company pensions where the fees were paid by the employer, and after I left I paid the fees and they weren’t very competitive That is probably a special case . Normally the employee pays the fees , although the level is often negotiated by the employer. If Dunstonh says that different pricing for active and deferred members is not allowed anymore than I am sure his expert view is correct.
