Why take out a pension?
Maintaining your pension
If you have a personal pension but stop paying into it, you could actually lose much of whatever you've already paid. For example by stopping paying into your fund, the charges may reduce your fund, meaning you could lose out when you come to retire.
The fact is if you want your pension to support you as you intend in later life, you can't afford to neglect it now. Keep an eye on it throughout your working life and give it a boost whenever you can.