How to Save Money on Your Pension

With pensions, consider salary sacrifice. What you actually do is contractually with your employer, give up some of your salary. Your employer then pays that into your pension fund instead. But importantly, you can't sacrifice below the minimum wage. If you have a death and service and it covers you three or four times salary, well, you've got a smaller salary in con protection benefits. Lower boring multiples when it comes to borrowing from mortgages.