11.   Some financial Decisions, such as those affecting company or personal pension planning, need to be taken as early as possible.

12.   Some people covered by the conventional company scheme might prefer a personal pension.

13.   The essence of personal pensions was that it extended choice and encouraged personal saving.

14.   The government is encouraging people to contract out of the state pension scheme and into personal pension plans instead.

15.   For example, should you contract out of the state earnings related pension scheme into an appropriate personal pension contract.

16.   Of course, SERPS rights had to be forfeited, but for younger people these were calculated to be worth much less than the personal pension could offer.

17.   On low earnings the rebate payments will be too small to justify the personal pension plan charges.

18.   HIGH inflation rates and product developments have led to a focus on the death benefit provided by older generations of personal pensions.

19.   If you have an older personal pension, you should check out the details of your plan.

20.   Its subsidiaries, including interests in financial services, personal pensions, in collaboration with Colonial Mutual, and investment management, contributed to profits for the first time.