How many of you have standard pensions?

[Sash]

This is all good advice, but the thing that is stopping me doing this, is the fact that is currently no pension scheme available by my employer at this time. Therefore if possible could you reccomend a private pension scheme for me? would I still get contributions from the government into this? what about employer?

I would go see a financial adviser about this personally. We dont know your financial background and circumstances to give proper advice.

You can easily take out a personal pension, stakeholder pension etc without getting employer contributions. All contributions you make into it will get you tax relief.

I suggest taking out a cash ISA also. You can pay a maximum of £3,600 into a cash ISA in any tax year. A stocks and shares ISA you can pay £7,200 into it in any tax year. You may only open one each year.