Article: GREENWOOD'S VIEW: Shorn of living pension.

Zombie life funds have for years been a whipping boy for personal finance journalists, whether writing about pensions or any other with- profits investments. Their restrictions on investing in equities have made attacking investments in both closed and open with-profits funds like shooting fish in a barrel.

"Get out whenever you are offered a penalty-free window and move into a unit-linked pension with star fund managers" was the advice. But not for the first time in financial services, apathy will have served with- profits investors who ignored this advice well, as equities have floundered.

With-profits have come in for such a beating over the last ...

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