CLARKE - are you in Ireland or the UK? Askaboutmoney is primarily an Irish personal finance and related discussion forum. For Irish pensions you get full tax and PRSI relief (automatically via payroll or each claimed separately if making standalone contributions from net salary) on amounts up to your age related tax relief limit. As for charges it's possible to get pensions (e.g. PRSAs) that charge 0% on each contribution and 1% annual management fee for a once off arrangement fee of a few hundred €.