It will invest mainly in government gilts at the outset, moving to company shares in the middle of your life and moving back to a mixture of gilts and cash on the run-in to your expected retirement age.
Thanks to technology and the Internet, we are increasingly becoming independent in all walks of life, moving away from our dependence on centralized things.
Mr Wallace has set up a petition to gain what he calls "his basic right to vote on the most important vote I will ever have in my life" as he is moving to work in London and will therefore be unable to take part in the poll.