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>Is a personal pension scheme worth it or shall I just start dumping money in premium bonds until the economy picks up?
It'd make far more sense to invest in equities while the markets are low than in cash when the rates of interest are pitiful, especially as it's likely to be 40 years until you retire.
I'll assume that you have an emergency fund in place and life cover offset against the mortgage.
>I worry about losing my savings with a pension company
You won't, at least over the long term. Equity investing is your best bet for long term growth; investments in cash are unlikely to keep pace with inflation. We can set you right on investment choice.
Personally, I'd wait until I was in a company pension scheme but if the employer matched your contributions then a £80 net contribution would be grossed up to £100 so a further £100 from your work work mean your £80 contribution has turned into £200.
>we're a small company and our auto enrolment starts a little later on.
Do you know what the staging date is, what the contribution levels will be (above the bare minimum or not), who the scheme will be, likely charges, etc? Have you asked whether they already offer a pension scheme, chances are they'll have an 'empty shell' group stakeholder scheme?
>If I move jobs will my pension move with me, or am I going to end up with several pots scattered between different employers when I retire?
It will stay where it is. There's nothing to stop you transferring it to a new employer's scheme, but there's no guarantee that would be in your best interests.