Workers are snubbing pensions, says survey

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Try to find out what your employer offers in the ways of pensions at the moment – you may be able to join a scheme sooner than you think.

Make sure that you understand all of the benefits that are available even if your company does not currently offer a pension scheme – it may offer a scheme to help you save money.

If you begin saving into a pension scheme when you are young it will be easier to continue the habit as you get older and your salary hopefully grows.

You get tax relief on pension contributions, so one way of building up your pension funds is by putting windfalls such as bonuses into your pension.