When it comes to the self employed and pensions, there are three main things to consider. 

1: The first one is if you don't do it, nobody else will. You don't have an employer that's going to set a pension up for you or make contributions into it. So the onus falls on you, as the individual, to think ahead and get a pension. It's your responsibility to make sure you have something in place. 

2: The second point is the tax reliefs. If you don't have a pension, you're potentially missing out on some really good benefits and tax reliefs that are available to you. 

3: The third point is to plan ahead. If you know what you might need in the future or what retirement might look like, the sooner you can start to plan the more likely you are to be able to achieve it.

Speak to a trusted adviser to see how they might be able to help with your future plans. 

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.