Rising is pension fund is a gradual process this is why she must be able to start as quick as possible when you start working in a particular organisation.You can decide to create a special personal fund and dedicate it as a pension fund.This way you would'nt be bordered about your employers not adding you to a pension plan.You just dedicate some funds to be saving into your pension.so that you can have smething to fall back to when yourcontract finishes.