Thanks for all the suggestions and info.
I have a long way to retirement but have 5 works pensions so just need to see whats best. My most recent empployer, who I left last summer, just had the pension statement in and the fund seems to have lost £10k in a year which is about 10% so this has prompted me to look into more carefully!
Back in my Norwich Union Days you could select a "With Profits Fund" which was guaranteed to never lose you any value - obviously might also not have grown any value either!!!
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