The first tip in preparing for a pension is knowing how much to prepare and when it should be met. Retirement (old age) including long-term needs, can be 10-20 years longer. Note the inflation factor (price increase) in calculating the amount of pension needed. This first point is the most important point, but it does not pay much attention. Most people jump directly to investment products, without counting on their needs and when to be met. Apart from that, perhaps you need to visit http://brightretirement.co.uk/ and find out more about the excellent financial retirement services online.
Another tip in preparing for the pension is to know the vehicle. Choose a vehicle: investment product or product protection to meet your needs. Find a vehicle that suits your purpose.
Remember investment is a plan, not just a product.
Are there any investment products or protection products? Here, for example, you are currently 31 years old, newly married and have children. Currently, you do not have life insurance and investment, and you are the type who do not want to bother. Perhaps product plus investment protection could be more suitable.
If you are currently only 25 years old do not have dependents, maybe you can choose mutual fund products or stock investments with a very long-term goal.