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Providing for your future is important as people live longer and every day we see reduction in services for the aged and Government reducing the value of the State pension. You should consider contributing regularly to a personal pension scheme.

If you are a basic rate taxpayer, you will pay net of tax and the Government will put the tax into your scheme.

If you are a higher rate taxpayer, then you will get additional tax relief.

Where you are employed by your own company, don’t forget that the company can also contribute to your pension scheme. You should speak to an IFA to before you do so in either event.

Have you got your State pension forecast?

If not, you should get one as soon as possible so that you are not missing any years. Also, you may be able to pay up any gaps so that you get a higher pension.

Check it out here: https://www.gov.uk/check-state-pension