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Personal pensions are designed for those who do not have access to a company pension.

But choosing the right personal pension can be a complex matter and it may pay to talk to an Independent Financial Adviser before making any decisions.

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In a cabinet reshuffle Katsunobu Kato replaced Yasuhisa Shiozaki as Minister of Health, Labor and Welfare, the department which oversees Japan’s corporate pension funds as well as the Government Pension Investment Fund and Serama.

You can also pay in additional payments of £10 or more.

Other people, such as family and friends, can also pay into Nest for you.

Unlike a company pension there is no final salary version so the final value of your pension will depend on your contributions, the charges levied by the fund managers and the performance of the fund in which the money is invested.