[Beastie]

I will look into Pension Schemes. I would want a low risk one. Is that what they do.. Low, Medium and High Risk or is that just for Stocks and Shares?

Anyway apparently at my work they have a Pension System. So if I did one I rather get it though my work than at the Bank.. However I need to read more into it!

I would want something low risk. Something that guarantees all my money back which I have invested whether I make interest or not.

Jeez at the bank they were trying to brainwash me to invest in Stocks and Shares but then I can't touch a lump sum of money for at least 5 years :S In which.. within the next 5 years I hope to move out of my rents house and buy a flat/house or something!