PensionBee plans

Or any investment. 'Failing fast' means you have less each time to invest... so unless you can introduce money by other means, try not to do it. Choosing a product just because it did well last year isn't a great strategy IMHO, because (1) that was last year (2) the Law of Stuff says that the higher something has gone up, the more likely it is to go down, not least because investors will be taking profits. Obviously there are exceptions, but nothing keeps going up for ever - there will always be market corrections, world events etc etc.