Report Should I buy more of my shared ownership, or stick to renting? in House prices and the economy Posted April 4, 2019 1 minute ago, spyguy said: Eh? Yu suer you arent a troll, hyping properdee as a magic investment, cure for cancer Private pensions. Most workplaces are DC i.e. same as private pensions these days. As a contractor Im eye brow over my head surprised that your accountant has not screamed at you to get a pension. Is the easiest, most tax efficient way of building wealth that youll need at a later stage in life. I really dont understand this 'pension plans dubious' It more than suggests a level of money crankdom/naivety/financial simpleton/paranoia. As a contractor, its simple - you save 20% of your earning - more if you can afford i, for 40 years. You save on income tax on your contributions. Pick a plane which has low - under 2%. And keep going. You can change the makeup of your investments as you approach retirement. 12 Not a troll, being honest as I value the feedback. I hate the state of the property market and would gladly see it fall. My accountant is a cold hard SAAS that doesn't offer any advice. My accountant before was human yet in 10 years he never mentioned a pension to me once. Sound nuts but it's never been a part of my working life and no one has advised me on it. Thanks for the tips - I will look into it!