This year I will be 65. My pension fund is split between 4 providers set up through the company that I worked with for 25 years. In 2009 I was made redundant and contributions stopped then. The total lump sum invested is about 400k. I feel I have no visibility or control on charges or fund performance. I also feel that my funds haven't performed well. For example, I invested €80k with New Ireland in 2002 and today the fund is worth €88k. I get statements, not always annually but find them difficult to read or understand. What should I do next?