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The more you save the better and the earlier you start saving for retirement the more likely you will have enough to enjoy retirement. Retirement planning can seem complicated but it is worth taking the time to understand how pensions really work. A Chartered Financial Planner is qualified to help you realise what your objectives are and how much you would need in place before you retire to meet your desired lifestyle. From that they can plan how much you would need to contribute. Read up on pre-retirement planning to find out about the tax relief advantages of saving in to a pension and the impacts that not saving early could have.
The value of pensions can fall as well as rise, you may get back less than you invested.
Tax treatment varies according to individual circumstance and is subject to change.