I had a reasonable sum upon my retirement and opted to seek expert advice. Out of several companies, I settled on Credencis as my best option. He went to great lengths to establish my risk preference and which companies he considered my best options. The only thing which grates with me is how much the administration costs would be. I am sure the investment companies are very well paid – and probably earn it. If the investment is sound & the market is good it is better than relying on small interest savings accounts. As Brian has told me it is a long term investment.