This volume is part of a series of guides on different aspects of personal finance, from running a business to buying a home and from choosing a pension to investing in shares. They contain case studies and worked examples, together with practical ideas and advice. This guide aims to help the reader make the best choice when deciding on a pension, taking into account the 1988 Government changes to pensions legislation. The author explains how to set pension arrangements and how to use them to the best advantage. It explains what personal pensions are and how they work, how to stop, start and vary contributions, what tax relief there is and what benefits are provided. There is also advice on whether to contract out of an existing occupational scheme, what decisions to make when changing employment and the options nearing retirement. Using personal pensions to top-up group schemes and comparisons of personal pensions with schemes for controlling directors are also discussed. Tony Reardon is also author of the "Allied Dunbar Pensions Guide".