Consumer Focus found that some people's personal pensions were being moved to more expensive plans; sometimes for no benefit.

A few weeks ago, SavvyWoman’s ask the expert panel was sent a question by someone who’d been advised to switch her pension three times in six years (you can read the question and answer) . Although there can be good reasons for switching it’s not always the right thing to do. Now Consumer Focus is contacting the financial regulator because it’s concerned that some people are being given bad advice.

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Many of us put off taking out a private pension because we don’t know what the first steps should be. Here’s a guide.

These days, when for many of us money is tighter than ever, it’s easy to put off starting your pension. But the state pension (and pension credit) currently only provides around £130 a week and, even after the flat rate pension is introduced it won’t pay enough to for a decent income in retirement. If your employer runs their own scheme that should be your starting point, but if you work for yourself or your employer doesn’t offer a pension, what should you do?

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If you work for yourself you will have to sort out your own private pension. What are the options and where do you start?

Updated 29th April 2011.

Recently a SavvyWoman user got in touch to say that she was self employed and wanted to sort out her pension, but didn’t know where to start. And I'm sure she's not alone. If you're employed, the pension choice is more straightforward than if you work for yourself. But that doesn't mean you shouldn't bother saving for your retirement. So where should you start?

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