Self- employed business can mean that organising a pension is more challenging. Along with sometimes irregular income there is no employer making contributions on your behalf. 43% of self- employed people admit to not having a pension. 31% will be relying totally on a State Pension to fund their retirement because of the struggle to put money aside. Saving for a pension is still important, as no one wants to work forever. In terms of pensions self- employed people could face a more complex situation when planning for their retirement. Seeking professional financial advice could help you to set up your pension plans.