Most people look forward to their retirement as a time when they can be free of financial commitments. This is a time when they can finally relax after years of working and bringing up a family and reap the rewards to which they are entitled. But, many fail to build up decent pension pots and find that this actually becomes a time of financial hardship. Thinking early about how to save for retirement may be useful. What options can be used?

What is the State Pension?

In the UK the years that an individual works or the years that they are given credits for (i.e. when they give up work to look after their children) all come together to build a pension pot. This will make up the State Pension. The pension given will not necessarily be the same for every individual. Some may get the full State Pension; others may get a reduced amount or may not qualify at all.

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