Any direct answer to your question is getting into the area of "advice", and the "best" for you depends entirely on your circumstances. To get an answer you will need to give a financial adviser a lot of information about your situation and objectives. What I can tell you is that the term Stakeholder Pension is a bit misleading. It is a term used to describe a Personal Pension Plan like any other, but one that has fixed maximun charges as defined by the government. Because of the fixed charges they represent good value in their sphere, but not popular with financial advisers because low charges mean low commission. A quick internet trawl will give you all the technical information you need, but as for what's best for you, you either take pot luck and choose one and buy direct, or you take advice. Most financial advisers don't charge a fee, but will expect to be entrusted with doing the business if they come up with recommendations that you like and can afford.