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The road to a perfect pension

Sipps offer many benefits, but don't open one unless it is right for you
The road to a perfect pension

Saving for retirement is one of your greatest financial priorities, especially as life expectancy is growing and retirements are likely to last longer.

The first port of call is a workplace pension into which your employer pays in too – if you are offered one. But if you want to build up retirement money over and above your workplace scheme or are self-employed and don’t have a workplace scheme, a Sipp – self-invested personal pension – is one way to save for retirement tax efficiently. Another option is a defined-contribution personal pension.

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