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  1. #1
    Respected Member Slip's Avatar
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    I fear I will have a bad pension when I finally retire in 27 years time!

    I have two frozen pensions worth probably around £7000 together. And a workplace one I started late last year when the new rules came out. I pay 4% of my salary before tax into it and work matches it. So really 8% of my monthly salary is getting paid into my pension at the moment.

    Problem is I am on the lookout for a new job as I have just about had enough of my current job and being forced to do jobs that 2 years ago I would have had 2-3 people helping me, now I am expected to work on my own most of the time due to us being forced to take on another company's staff (they own 49% of us) who are on high wages forcing our company to cut overtime and not employ more staff, when I complain I get told to just deal with it, we are all in the same boat.... I won't bore you with the details... but the sooner I get a new job the better


  2. #2
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    If it is a final or average scheme it's worth looking at putting extra money in if you can, ie buying more years of service. They are usually index linked and will often provide a pension for your spouse if (when?) anything happens to you.
    Best to get independent advice though.


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