A pension scheme is viewed by many as no more than a 'bank account', not normally accessed until you retire or semi-retire. Something to leave untouched for the future. However that is very much yesterday's view.
Recent changes to pension legislation means that while the basics remain the same, your pension assets are now much more than a forgotten, untouchable thing.
Unfortunately so many of us put tens of thousands of pounds in our pension and still just leave it there, gathering dust.