Pension

[whichoneisbetter]

I need advice pls

I work part time for a private insurance company (entry level job) salary not great but there benefits like private health & dental insurance gym discount etc

I intend to take these on for my family as well which means a deduction of about £150 from my pay monthly

Employees pay 3% pension contribution
Employer pays 6% pension contribution

I have my main job with a local council and

Employee pays 5.8% pension contribution
Employer pays 20% pension contribution

Now, since the pay from the private company is not large at all, and then the dictions etc I wonder if I should withdraw from the pension contribution completely to be able to have more income for myself and just pay the pension for the local council job.

Im no financial advisor but If you are going to be there for 12 months or more, I would enrol in their company pension to get employer contributions then when I leave maybe transfer it into the council pension.

Its tax free and on top of that its free money

So for example
If you earn £10 and you take it as cash you get £8 (£2 is tax)
If you put it into your workplace pension you get the full £10 and £20 from the company

So £30 instead of £8

Thanks I have signed up for the 3% employee pension contribution