Pension Consolidation

Combining or transferring pension pots by bringing them together under one roof

The days when people worked for the same company their entire working life have largely gone.

Today’s career patterns are more fluid, with people changing their jobs, the businesses they work for and their employment status potentially multiple times during their working life.

This fluidity has its benefits, but it also comes with challenges. And if you’ve paid into multiple pensions from various employers, as well as any personal pensions, you might want to explore combining these pensions into one.

A single retirement pot could make it easier to keep track of your money, give you greater control over your investments and potentially save money on unnecessary charges. However, there are risks. Any previous workplace pension schemes you hold may come with valuable benefits that you’d lose if you transfer the money out.

Therefore, when weighing up your pension options, including pension consolidation, it’s crucial to seek professional financial advice.

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