1. Those lucky enough to be in Final Salary schemes from either past or present employers should preserve these.
2. We should take responsibility for our own futures by getting to know enough about pensions and alternative sources of income so as to be able to sensibly plan for tomorrow as well as today. An immediate action you can do is to work out how much income you would need to survive if you were retiring today. You can then get help to work out how much you need to save in order to achieve that level of income, while preserving a good standard of living in the present.
3. Get independent financial advice on all your options when the time comes to take some or all of your pension benefits.
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