If you work for a very small company that doesn’t offer a pension scheme, or you’re self-employed, or if you’d like to top up your pension, you could consider individual pensions.

If you’re not sure what to look for or prefer someone else to do the work for you then you can visit a financial adviser who will be able to provide you with all the information you need to make your decision.

However if you’re the type of person who likes to do their own research before making decisions then there are a number of things you can do. Start to look around for companies that offer the type of pension you want, using the Internet, newspapers or picking up information from high street banks. Draw up a shortlist of possible companies and products you like.