Do you have a workplace pension? If so, there's a good chance it's with Nest, one of the UK’s largest pension schemes, with over 13 million members. We're speaking with Paul Todd, the COO of Nest Invest, to understand how they invest all that money. Are they delivering? And why did they remove the option for a 100% equities fund?

Do you have something you want to say Nest? If you're a member, you can contact them through your account, or you can use the contact us section of their website.

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If you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.

This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.