Hi guys, before becoming a teacher I worked on the shipyard docks. Now I'm teaching, I need to take up a pension....I've not paid into a pension for 20 years....so I obviously have some making up to do. Looking through all these private pensions is really confusing.....it appears to be complete minefield... If you have any time could you offer me some advice on a good pension for me to pay into. I'm coming up to 49 years old. 1. Which pension do you recommend and why do you recommend that pension? 2. Which pension schemes would you stay well away from? 3. What pitfalls have you come across? Anyway, I know you are all very busy, I'm just banging my head against the wall trying to work things out, so thank you so much for any help received.