Have you started to save into any form of pension plan? Are you saving enough into your current pension plan? Has your employer a company pension scheme that you are eligible to join? These are important questions for people to consider, you do not want to delay saving for your retirement as the consequences could be horrendous.

There has been a lot of very bad press during the last few years regarding pension schemes. The stock market crash after the terrorist attrocity in New York put a huge dent in many people's pension funds. There is no doubt that this has put off a great number of people into saving into such pension schemes in the future.

Some would say that the attack on the twin towers was just a one off, other people think it could be just the beginning of the terrorist war.

When I talk about the need to start saving towards our retirement provision, I am not just talking about a pension scheme. In the UK we have a very strong housing market and being an island this is only likely to become even stronger. I know of many people who purchase houses, rent them out and then hope that the value of these houses will increase over the years. This will then be their future pension.

Whichever way you decide to do it, you need to start thinking and planning for your retirement today.

I personally believe in a stakeholder pension here in the UK, a few small holdings in stocks and shares plus some cash on deposit. I have bought my own house and hope to purchase another as a buy to let in the future.

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