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A solid, straightforward option is to take out a personal pension with NEST. This is the National Employment Saving Trust workplace pension scheme created by the government when it launched automatic enrolment. It is used by many companies but is also available to the self-employed. It offers reasonable fees, which work out at about 0.5 per cent for most savers, you can view your account online, stop and start contributions and pay in with your debit card, or via direct debit. There are five funds to choose from, which vary depending on your appetite for risk and any ethical leanings. Another option is the online PensionBee which has annual fees of no more than 0.95 per cent, and you can easily manage it on your phone.