Thinking of moving lump sum pension to avc

edited 30 November -1 at 1:00AM in Pensions, Annuities & Retirement Planning
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akh43akh43 Forumite
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I have a small pension, approx £13k with winterthur from when I opted out of serps many years ago. As it does not seem to be performing well I am looking at moving it to a CIS avc connected with my work pension.

Is there anywhere I can find out how the funds of these 2 companies have been performing to see if this is a good move or do I have to see an IFA to find out this information?

If I have to see an IFA is this something that could be found out in the free initial interview offered by

Any advice appreciated.


  • dunstonhdunstonh Forumite
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    You cant move protected rights into an in-house AVC.

    To be honest, given the choice of Winterthur and their usual fund range or CIS, I would pick Winterthur. Plus, AVCs are largely obsolete nowadays (with the exception of the very few that can enhance the lump sum by being connected to the main scheme).
    If I have to see an IFA is this something that could be found out in the free initial interview offered by

    The free initial interview will give you no formal advice. They would probably comment along the lines I have but would need to write and obtain info from the schemes and would charge for it to be made formal written advice.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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