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It is essential that you start to plan for your retirement as early as possible so that you are able to live comfortably in the knowledge that your lifestyle needs are covered. This will mean careful consideration of your pension fund throughout your working life.

A Self Invested Personal Pension (SIPP) is a wrapper for your pension investments and gives you control of your pension, whereas most members of a company pension scheme have very little control and almost no idea where their pension money is invested.

Also, with many of the UK’s largest companies closing their final salary schemes, many members now have to look at taking their pensions into their own hands.

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