Two pensions with standard life

heath35

Hi there,

I am wanting to merge my two into one, to make it easier to manage. These are from an old job so I don't really touch or contribute to them anymore.

I have

Corporate Stakeholder Pension Plan (found no exact fund info)
Trust Based Pension (Passive 50/50 Global Equity Pension)

Which one would be more advantageous to keep, keeping in mind no more contributions are made?

Thanks!

jamesd

Whichever one offers you the range of investments that you want to use at the lowest cost for those investments. It is possible that neither will be the lowest cost way to hold those investments, don't neglect checking other providers.

mgdavid

Back in 2012 I had a couple of small pots, one Zurich (personal retirement plan) and one Standard Life (personal pension/Freestanding AVC) and my then IFA moved them both into a Std Life Lo-cost Stakeholder. I then used that to dump annual lumps into for a couple of years to avoid HRT in the run-up to retirement.