I have been managing my own money for over 15 years: in 2000, I gave up the safety of a bank salary and non-contributory pension to lead a management buyout. I found myself with a couple of legacy final salary entitlements and a small pension pot in “Zombie” fund manager, Phoenix Group. My pension manager like many at the time had given up the ghost, but rather than throw out its legacy customers, they sold out to Phoenix. I was able to choose from a range of funds managed by the company, but they all had titles like “balanced managed” and I wasn’t happy with that. I wanted more flexibility so I transferred into a SIPP I’d opened up with Hargreaves Lansdown. The game was afoot! ..