By Jeff Prestridge for The Mail on Sunday

Published: 04:34 EST, 23 March 2015 | Updated: 04:34 EST, 23 March 2015

On the surface, pension freedom seems all-empowering, putting people in control of their hard-earned savings.

But the pension waters remain as dangerous post April 6 as they are now.

So here are your ten top tips on how to benefit from the new pension regime and how not to trip up.

Right direction?: Make sure you don't trip up when making your pension choices

1. You don't have to act immediately

Although the new freedoms pave the way for you to raid your pension funds from age 55, this doesnt mean those who are eligible should go out on April 6 and buy a Lamborghini or take out cash.

Richard Jones, retirement director at insurer Scottish Widows, says: You dont have to wake up on April 6 and suddenly take decisive pension action because freedom day has arrived.

If you have been saving in a pension for 30 years, what to do next is not a 30-minute decision. Take your time.

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Ten tips for pensions freedom and a wealthier retirement