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Why save for retirement

Pension options

Potentially your income could come from the State pension, your occupational pension scheme, if you are in such a plan, a personal pension or Personal Retirement Savings Account if you have them, and any other non-pension based sources of income you may have.

Your options will depend on your work situation. If you are an employee you may be able to join a pension scheme sponsored by your employer. Employees in the public sector can join their public sector pension scheme. The self-employed can take out a personal pension. Personal Retirement Savings Accounts are open to virtually anyone - employed, self-employed or those currently not working - to save for retirement.