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Rung 1: If your employer offers a pension scheme where they will match your contributions, invest to take full advantage of it. If it's a final salary scheme (sometimes called defined benefit), your employer will pay in a lot more than your own contributions. If not, find out how much you should contribute to get the maximum contribution from your employer. If you earn PS40,000 and your employer offers a 100 percent match up to 5 percent of your salary, if you pay in PS150 a month, your company will match it. This is free money and there is, quite simply, no better deal.