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Have you considered saving using things other than a pension?
An individual savings account (ISA) is a tax efficient method of saving in cash or investing in stocks and shares, up to an annual allowance.
A general investment account (sometimes abbreviated to GIA) is a flexible savings option that gives you access to a wide range of investments.
Get to know the basics about pensions – what are they, why do you need one and how can it help you in later life?