![Personal pensions: Weighing options](https://www.ft.com/__origami/service/image/v2/images/raw/https%3A%2F%2Fs3-eu-west-1.amazonaws.com%2Ffta-ez-prod%2Fez%2Fimages%2F9%2F0%2F8%2F8%2F8809-1-eng-GB%2Fcash.jpg%3Fv1?width=700&source=ftadviser)
Personal pensions are seeing tough times, especially since auto-enrolment has come into practice, giving savers another option in planning for their retirement. While auto-enrolment is a positive step forward in the pension landscape, advisers suggest an increasing number of clients prefer a company scheme where they receive employer contributions as well. In many instances, company schemes turn out to be cheaper.