Pensions don't always have to be complicated. In its simplest form, you're building up what are called pension 'benefits' to help fund the life you want when you retire.

Here are four important things you need to know about it now:

1. You build up benefits in the CGML Scheme based on your salary and length of service
2. You may be able to make additional contributions too
3. Those additional contributions and where you choose to invest them are key to making your money grow.
4. The benefits you're building - or have built so far - in the CGML Scheme remain yours, even if you leave Citi