I'm about to turn 32 and still don't have a pension, and to be honest the thought scares me quite a lot as most of my mates are state employed and do, not sure about the others.
Our company scrapped its final salary scheme literally about a month before I started, and you're not automatically entered into the one they have running now, they contribute something to it as far as I know, but in all honesty I wonder if it'll be in any position to pay anything out at all by the time I'm that age, or if it'll exist at all, I'd say there's a 70% chance the company will be gone in 10 years.
The other problem is I'm not very well paid, I seriously doubt I could afford hundreds of pounds coming out of my wages every month at this stage. I knew I should have been a teacher.
Do you have one? Does it suit your needs and - if you were looking at getting one, what type would you recommend?