very much, Steve. Question two, I'd rather pay into a Vanguard personal pension rather than my own

workplace pension. Is this wise? I guess the key thing to do is to compare the two, to understand

things like, first of all, the charges. So often a workplace pension will be quite cheap, mind

you, a Vanguard pension probably be relatively cheap as well.

But you know, your workplace pension, if you work for a big firm, their employer will probably

have negotiated a good deal with a pension company. So it's probably relatively low cost.

It's probably well governed. There's probably trustees or people like that whose job and all the

professional advisors to really look in depth at where

the money is invested, how it's growing, whether it's suitable and all of that. So you get a lot of

what they call in the industry governance, a lot of oversight, a lot of someone keeping an eye on it.

Whereas if you put the money in your own pension and, you know, you can do, you've got to keep

an eye on things. You've got to keep abreast of things and stuff changes. You know, you invest in one particular way. The things you're invested in industry professionals know when things are changing in a sector, but you don't. So you're getting a lot of expertise kind of for free. And crucially, if your employer is somebody who if you put a bit more in, they'll put a bit more in, that's a game changer.

And many big firms will do that.

So if you're saving as a basic level, you've got a bit extra and they will match what you put in.

Well, you've doubled your money.

So that takes an awful lot of beating. So I'm not hostile to people having their own pension saving, but I think workplace pensions, you know, tend to be pretty good for most people most of the time.

We've heard stories, haven't we, though Simon, I've probably read them, and this is money,

about sometimes high fees, sometimes invested in places you don't want them to be workplace pensions,

sometimes not that great.

How can you check under the bonnet? Is it hard?

So we did an article on this this week. Tanya wrote a really good article about how to check up how good your work pension is.

And if you go to this ismoney.co.com.org. forward slash pensions, you can read that.

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