When you are in your twenties, thinking about securing your old age with a pension seems to be such a long time ahead. It is easier to live for today and not be worrying about something so far in the future. But when you hit 40, your pension doesn’t feel so far ahead anymore, and that forward planning begins to feel very important, almost a necessity. I have some savings courtesy of a superannuation I paid into for 12 years, but nothing else in terms of a pension, and with a child and yet another birthday passing, it suddenly feels like I need to sort something. I have recently been…