So if you want to save for yourself, instead of relying on the State or your employers, what can you do? There are two main ways you can save, in an Individual Savings Account (ISA) and a pension plan, both of which have advantages. With the former you can take the money out for say a deposit on a home, and with the latter, as you cannot access the finds when you want, your will have the peace of mind that a pension fund will be there for your golden years. It makes financial sense to get the best of both worlds and save in ISAs and a personal pension.