Gone are the days when you could rely on the state pension to provide a comfortable retirement. But with so many options out there, where should you save and how much?

Fully revised for 2013, Pensions Explained takes a realistic look at how you can safeguard your future.

Taking account of all the government's changes to pensions, including automatic enrolment and multi-employer schemes like NEST, this book will help you understand the options available to you.

All pension types are covered, from state to personal and workplace pensions. The new system of automatic enrolment is fully explained, with details on how to opt in or out. Understand how to invest your pension savings, protect your income and get information on other ways to finance your retirement.

Whether you're setting up a pension for the first time or approaching retirement age, moving company pensions or considering opting out, this practical and accessible guide will help you navigate the pensions maze.

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In 2002, World of Books Group was founded on an ethos to do good, protect the planet and support charities by enabling more goods to be reused. Since then, we've grown into to a global company pioneering the circular economy. Today, we drive the circular economy through three re-commerce brands: - Wob: Through Wob, we sell. We provide affordable, preloved books and media to customers all over the world. A book leaves our collection of over seven million titles and begins a new chapter every two seconds, enabling more goods to be reused. - Ziffit: Through Ziffit, we buy. We give people around the world the opportunity to contribute to the circular economy, earn money and protect the planet, by trading their unwanted books and media. - Shopiago: Through Shopiago, we help others. By sharing the technology that has grown World of Books Group into the business it is today, we?re helping charities increase revenue and reduce waste through re-commerce.

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