Pension springclean

Pobby

My wife and I have a number of pension pots.& in all I believe,some of them dating back to the early 70`s.These are made up of a mixture of 2 old company pensions,3 personal``paid up`` pensions and 2 current personal pensions that have been running many years.Although we don`t intend to increase the premiums{as we are now using isa contributions} we would like to track the 5 ``paid up`` pensions,look at where we stand with the pensions that are ongoing and consolidate.

Frankly,we don`t know where to start.any help gratefully received.

EdInvestor

Post some details of the personal pensions.

Provider
Pension type (if known)
Transfer value
Fund(s) they are invested in
Guarantees (if any), especially guaranteed annuity rates
Maturity projections (if available)

If the company pensions are final salary they are probably best left where they are ( increasing by inflation/5% annually) unless they are very large or you think the company is on the verge of bankruptcy.

Have you obtained state pension forecasts?

Pobby

Thanks Ed.Yes we have our state pension for casts .I will try and contact all the companies concerned and post back.Think this may take some time to get it all together.
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