thanks mercman
had a long battle with the institution a couple of years ago when they paid out the incorrect amount on a different fund - after providing a lot of misinformation they eventually paid up
in relation to this fund they have provided me with details of the fund allocation, growth %, mgt charges for initial and premium units and contract fee. but once again i can prove their figures are incorrect
was wondering if it is normal/possible to go to an independent actuary or someone similiar or just go to the financial ombusman and hope for the best