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Pension planning boils down to simply trying to ensure that a reasonable standard of living is maintained in retirement.
While pension policies are attractive for this purpose due to the tax relief on contributions that enhances the investment, ( giving an instant headstart of 23 or 40%), they are not the only option.
Other savings vehicles can be used, of which Unit Trusts, Investment Trusts and ISAs are the most suitable for long term savings if in the right sector.
The advantage of this approach is the flexibility , and the fact that the funds do not have to be used to buy a pension.
The downside is that the funds can be drawn upon if needed, and that they do not provide any creditor protection.
In practice most people will commit to a core of pension investment, using these other devices for additional savings that they may vary from time to time.
If you are in business for yourself do not make the mistake of thinking that your business is your pension. Many currently sound businesses will go bust after many good years, ( how many recessions will there be before you retire? Assume one every 7 years or so), others are worth less to a buyer than the seller, (esp where a personal relatonship is important between you and your clients). Read SSAS if you are a director.