Unless you check your pension is ethically invested, chances are you're supporting the arms industry and companies with poor human and environmental records. Now, this is a complicated area and even if you're thinking about your pension, you deserve some kind of medal. So, to make this as simple as possible, just ask your pension provider one question: 'Can you ensure that my investments don't harm the planet or hurt my fellow man?' If we all did that, pension providers would soon take notice.

But don't hang about. As Woody Allen once said, anybody who wants to know the definition of eternity should try spending an evening talking to a life insurance salesman.