There are a number of different pension schemes out there and if you are already part of one, you should find out what type of scheme it is. Company and personal pensions have been around for many years and during that time there have been quite a few changes in pensions legislation, so you could have more than one type. If you have had more than one employer in the past, it’s also possible that you could have more than one company or personal pension. As these pension schemes could all have slightly different rules and retirement options, it’s worth taking some advice if you’re not sure what you have.