Do you have a pension?

Yes I do. I'm public sector.

Although, I don't know why I have one 'cos I'm pretty sure I'll die at my desk. With the increasing retirement age, it'll be up to 101 by the time I get there.

I'm private sector and yes I do have a pension.

this, mr F works in pensions so he deals with it

I'm private and no I don't. That's through my own choice obviously - I just can't afford one at the moment.

The plan is to take one out in a couple of years when hopefully (please god!), our personal circumstances may be a bit better.

OH has a police pension. And hopefully that pension will still be there when he comes to retire!

I am pseudo-public sector (not my words). This means our working conditions/contracts/pensions follow the parameters set by the public sector (more specifically for me, the NHS) but a lot of our money is privately obtained/invested.

I work in the private sector and have a pension

I work in the Voluntary sector so have three pensions from various charities I have worked for. The largest of these will pay me around £800 a year on retirement. I have paid an average of 4% of my salary into these pensions for the past 23 years.

I also have a small proportion of my ex-husband's public sector pension granted on divorce. this will be worth around £9,000 a year on my retirement. He has already retired on the remainder of this pension (he was a probation officer so nothing too grand) at least 5 years before the age at which I shall be able to go.

For me, this highlights the vast difference in provision in retirement. And the terms and conditions of voluntary sector employment are minimal - we do it because we believe in a better world.

Edit - I also had an Equitable Life pension, such is my luck!

I worked on that case at my old law firm!

I'm in the private sector and no I don't. I've done the calculations and can't afford to pay in the vast sums of money it would take to make it worth while (it would just be me contributing).

I plan to invest in other things eventually.

We're both private sector and have a savings account that my husband pays into every month. We're planning on having our mortgage paid off early so the money we'd be spending on that would go into it each month as well once it's all been paid off.

I work for a Government funded institution; while we are considered public sector, our pension is not. I do have a pension, but it is not affected by the current goings on...it is likely that we will have our own reforms soon though.

Nope, Im private and cant afford it at the moment. There is a pension scheme in my work, we put in 6% & they put in 6% but it seems its only offered to certain people & those people have been complaining vastly about it, they are not getting back what they have put in.

It does concern me. OH has a pension (not fantastic but better than nothing). I just dont have a clue where to start with them all. I always said I would look into after wedding & just never have. I dont know who to trust.

I'm hoping for my fourpence of compo! Hope you were on the side of us pensioners CB!!

Private sector (or at least was) and yes I contributed to my pension monthly based on how much I felt I could afford. I also have a private pension that H and I pay into regularly.

Private Sector and no I don't, although I keep meaning to look into it.

Mr B has some sort of saving scheme in place which was set up when he became an equity partner, but I'm ashamed to say that I have no idea how it works.

I keep thinking I have plenty of time to sort it out, but I'm getting on a bit now, so really shoudl pull my finger out and do something about it. Perhaps after the wedding.

Same here.

With CB's permission, if I can add a supplementary question...

What % do you pay into your funds? And any employer contributions?

I pay 7.5 %, non-negotiable, my employer pays 15 %. Well, I say that my employer pays 15 %; I actually have to bring in the cash for them to make this contribution.

Exactly this....I'll see what happens when I look for a new role at the end of my maternity leave, but I can't see me being able to contribute to a pension for a good few years yet....I'd rather put money in savings though TBH x

I pay 6% and employer pays 11%

If I had a pension my employer contribution would be 0%. It's not really worth me doing.

I pay 6% employer pays 12%

I have an old one from an old job which will be worth (well, we'll see) c£500pa. Mr CB has a similar one but it's worth more.

We don't pay into a pension fund now, we invest in property instead. I'd pay into one if I had the same sort of employer contributions as FTLOMB but I've never been offered one as generous so we've chosen to go down this route.

I am private sector and I do have a pension.

It is a DB scheme, I pay 6.5% (this was increased last year from 5%) and the employer pays 8% (this did not change!!).

I get a statement every year which tells me my annual pension if I stopped saving now, and my annual pension if I remained in the scheme till I can retire at 68!

I do get a state pension forecast too but this is barely worth the paper it is written on and I am not relying on this at all.

I also have savings and shares.

Private and yes I do, I've done it for that long I actually dont miss my contributions but its a very good scheme. I've also got another pension from a previous job where I worked for 8 years. H doesnt have one so its just aswell!

I don't have one. H does, it's a pretty good one but I can't remember the actual figures. There isn't a pension scheme offered at my work.

This.

This, I'm public sector.

Yep, private sector. Would be a bit hypocritical for me not to have one since I advise my clients on them every day!

Like I said, I'm the one that gives them the money to pay back to me. Not *that* generous when you think about it...

As a fundraiser, does that mean I am raising all the money to pay for everything I get, including the office coffee? Hmmm..I suppose it does!

I pay 4%, employer 7.5% - and this is the most generous scheme I've had so far, most charities pay 4%.

Yes I have one but I stopped paying into it a couple of months ago when I left my job, my new job is a fixed term contract only until next sept and doesn't offer employer contribution so I didn't bother signing up. Hopefully my next job will offer and I will def sign up.

Having said that I am clueless as to how the whole thing works and whether what I was paying in would actually have given me something decent per year in retirement but as I was 18 when I opened it I didn't worry about that, I just decided better to have one than not..

Speak to a pension advisor.

I found the whole thing completely daunting and when I started mine at the age of 21 I had no idea what they were talking about. Am independent pension advisor came to my work and spent over an hour with me explaining the processes, pros/cons and I was much clearer afterwards.

Pensions are a very confusing subject - for me anyway.