Hi guys,


I recently changed jobs so this got me thinking about my pension situation. I am 36, don't own a property and am saving for one.

previous employer pension value - ~£20k and will continue to be managed by the same provider/fund.
my new employers pension scheme is quite generous and I am maxing it out so contributing 8% of monthly salary (before tax) and employer will match with 12% so 20% net per month.

now the bit I need your advice on - I had another pension from a job many years back...it was managed by standard life and being rather inexperienced after I left the job, decided to transfer it out to my hargreaves SIPP and then sell and reinvest it all in a vanguard lifestrategy 80% acc tracker...its 49% up in value at present, Ive not made any contributions since transferring it. I still regret ever doing the transfer since am likely paying higher annual fee's to hl and it would of been fine leaving it with standard life.

given I am saving up for a property deposit and already contribute via my employer pension I don't see any point in adding funds to this one.

my questions are :
- should I just leave this pension as it is on the vanguard tracker
- OR is there any reason the tracker I am using is not ideal for a pension fund and would you change for a different product?
- any other advice or options to consider?

sorry for the long post, its just bugging me!