Pension planning: How to narrow the divide in workplace inequality – expert advice

“Even if your company doesn’t ‘match’, it’s worth boosting your contributions, as you’ll get a handy tax relief boost.”

Open a private pension

If you don’t have a workplace pension to contribute to, open a private one and save earnings into this instead.

Ms Codjoe said: “There are no company contributions, but you’ll still get tax relief. Remember that the earlier you start saving, the more effective this will be, due to the power of compound interest.”

National Insurance credits

Earn back more cash by claiming National Insurance credits if you’re currently out of work due to pregnancy, childcare, or other caring responsibilities.

Ms Codjoe said: “Many benefits, including child benefits, automatically give you NI credits.