Frozen Pensions, is it worth shifting them?

malifax_2

Hi
I have several frozen pensions all worth about 2-3k each total giving yearly pensions of between £52 and £150. I am currentely working and been paying into a Scottish Widows plan through work. I have been in the plan 6 years and hopefully will be for a while longer. Is it worth transferring the Co-op, BCE, BP etc pensions into one pot?

atush

Ok, fordst off they aren't 'frozen, that means soemthing different. They are Paid up.

Second, are any of the pensions the Final Salary DB type? If so leave them as they are, but get up to date statements.

Third, do any of the pensions have any guarantees attached such as GMP or GARs? If yes, you may want to leave them.

Forth, check the charges if you leave them and the performance and funds available. Compare these with the SW plan. If the answer to 3 is no, then if the SW plan is better you could transfer them.