Private pension. I don't understand!

[DonDon]

I ended up getting the financial adviser to manage the funds. His figures claim that he does better than most others, and he isn't likely to make some stupid, mis-informed mistake that I might.

There are also more funds to manage. When I announced to my very small employer (number of staff, not height!) that I was going to retire, they put me on a very persuasive retainer - fixed pay every month and between zero and a max of not many hours per week if and when needed