VillageFete if you are interested you should come over to the AmazingFaces quiche on Style and Beauty.
For your routine you are missing acid, retinol and poss SPF. If you don't use broad spectrum SPF everyday, you might as well not bother doing any of the rest of the routine 
Acids gently exfoliate the skin making it look brighter and more hydrated and hopefully stimulating collagen formation. If you have spots/blackheads you should use salicylic acid and if your skin is dry you will be better with glycolic.
The next step is a retinol. The sensible way to do this is to start with one of the good retinol products like La Roche Posay Redermic R or Paula's Choice Retinol/Skinceuticals - start slowly say alt days, be prepared for spots/redness/peeling and if they happen go even slower then build up to every day. If you get on OK with this then you can go looking for Retin A on eBay (ask on Amazing Faces, loads of people are using it on there).
Finally you ideally need ceramides and niacinamide in there - think they are in a lot of Olay products, otherwise Cerave is ace.
That's pretty much it in terms of proven anti-ageing ingredients. There are a few things that may help pigmentation, peptides may help a bit, you can plump up temporarily with hyaluronic. But the only proper proven ones are retinoids, acids, niacinamide and SPF.