Who Is Planning Your Future For You

Pension is becoming part of our everyday life,apart from the search for a job, the need to be on our own and run our own things,there are other things that we all need someone to do for us.
"Who's Planning the Future for Us?"
Ibtc has moved from watching our back to becoming a full fledge bank with their buy over by Stanbic,Please i need to know why i need to invest in a pension fund,and which one i should consider.

God and myself!