Don't have any pension. Advice please?

[lovemeorleaveme]

I am 36 years old. Please don't judge but I have no pension. Please can someone give me advice on what options I have. I have 2 p/t jobs amounting to approx 30hrs a week. My dh has a good pension but don't want to rely on his. Is it right that the employer only has to enter you in pension scheme it you're full-time. I have two part-time jobs? Would it be better if I paid in to a separate private one? Or shall I just aim to save into a high interest account every month instead? Thank you in advance!

Firstly, have a look on here and see if you should have been enrolled at either of your jobs under auto-enrolment

www.pensionsadvisoryservice.org.uk/about-pensions/pensions-basics/automatic-enrolment

You should be offered a workplace pension even if pt. However the one I had running for a few years is barely worth the contributions.

Suggest check your state pension first if you are in UK
www.gov.uk/check-state-pension

www.gov.uk/check-national-insurance-record

Hi @lovemeorleaveme

Your eligibility of pension is not dependent on whether you work part time or not and it's dependant in your earnings. If you earn over £800 net per month from the same employer then you're eligible to get employer's pension.

However instead of replying on employer's pension, you can also buy a private pension. It's similar to buying a life insurance. You pay a monthly premium and when you retire you get a lump sum. Large insurers like Aviva provides private pension and it's worth looking into.

Hope this helps.

Depending on your earnings, you could also look into Lifetime ISA. The government will add 25% to the amount you put away, and then you can access the full amount when you retire. It'll be completely tax free. Just put it in a stocks and shares ISA.

Another option is a self invested pension in addition to whatever your employers offer. It's a pension that you can manage yourself.