some people never get around to start saving for retirement because the whole process just seems too complicated to them. Deciding how much money to put away, which investments to choose, how much to invest in each one of them...The number of choices can feel overwhelming and lead to paralysis. Not doing anything is just no option! When setting up your retirement savings plan don't get bogged down by any hurdles at this stage. The most important thing is to get through the process, as soon as possible. If you sign up for your employer's pension plan, contribute at least enough to get the full employer match. Can't manage that? Then start with a percentage of salary you can handle, even if it's just 5% or less. If you take the SIPP route, pick a monthly amount you know you'll be able to sustain. As for investing, at this stage, keep it simple there too. If you're uneasy about choosing investments, go with a balanced fund or split your contribution between a total stock market index fund and a total bond market index fund or between a large-cap stock fund and a diversified bond fund. Or for that matter, just stick the money in a cash-related fund until you find a better place. 3. Saving more now leads to more retirement savings later Not exactly a revolutionary idea, true, but it's surprising how much more you may end up with by upping the percentage of salary you put in your