Some advisers charge a fee; others receive commission from the pension provider.

Almost all employers and pension providers must file their form P14s online.

Stakeholder pensions are widely available from pension providers, banks and financial services companies.

Discretionary means that the pension provider is free to decide who to pay the death benefit to.

You do not have to tell your employer or pension provider which charities you support.

Your pension provider will claim back standard rate tax at 20 per cent.

With other schemes it has to be reclaimed by either the pension provider or the employee.

It is a collection of individual personal plans grouped together by the pension provider.

The same goes for the pension providers' prudential rules.

There are also other products available that may suit people's retirement needs better than the default deal offered by a pension provider.