Pensions appear to mystify many – even for those who already save into them. If you’re bewildered, I think I can help you. I’ve spent 25 years working in financial markets, asset management and behavioural science, and I’m a pension fund trustee. Here are my top tips:1. Just do it! Firstly, let me say that setting up a pension should not be difficult. Just do it. The earlier you start, the less money you need to put in to get a good return from it.