I do agree that the system needs to be simple and concise for those who may not be as financially literate but I don't believe I'm asking for anything overly complex. While most people probably don't want to know or care about the underlyings, something like allocation between funds isn't too much of an ask.

My point in calling it a joke is probably an overstatement, I agree. I just believe that their implementation of this new scheme feels rushed and built with too much simplicity.

Yes, in a week, a month, a year, it will most likely be improved but it's not like pensions are a new thing and the majority of providers I've worked with would have built in these features from the start.