Ask the Money Doctor John Lowe on family finance

**Question: Having never made pension contributions, am I too old at 47 to start one? Would I be just as well off setting up a regular saver account for a more accessible investment?**

*John C, Mullingar*

**Answer:** While you are never too young to start a pension John, you are also never too old either! A good number of our senior citizens have no alternative but to live on their €230.30 state pension ...