Are you saving with a company pension scheme but you’re not sure where your money goes? Perhaps you are put off by the complicated terms and conditions of your workplace scheme. The responsibility for pensions and investments increasingly lies with us as many final salary pension schemes gradually disappear. It can be hard to have enthusiasm for your pension if retirement seems a long way off, but if you leave it too late you may leave yourself with too little savings to live on in your retirement. It pays to start investing for your future as soon as possible.