Worth transferring pensions

louloubelle79

I have a NHS pension at present, although some other small pots from previous employers. Don't know if to transfer these into one other pot???

1-Friends life ((Aviva) Aug 2017) black rock consensus / secure growth total £8968.40 or transferable £8514.39

2-Friends life (Aug 17) A/A £ 75.77

Charges (0.5%) each fund

3- people's pension B&CE GI £580.80 total (0.5% yearly charge)

Shall I leave them alone or considering moving?

Thank you :money:

xylophone

https://www.pru.co.uk/pdf/AVCK0433.pdf

Would it be worth considering a transfer in to an NHS AVC to keep flexibility?

louloubelle79

Thank you will look into this

dunstonh

How long have you worked for the NHS? (there is a time limit on transfers).

Which NHS pension is it that you are in?
When are you looking to retire? if early, what are your plans to fund that?

louloubelle79

Hi
I only have a few years, couple years in 2008 then left to have kids. Now a couple years in 2015 scheme. Not planning to retire early.

louloubelle79

I have set up AVC with Prudential, would you still say to transfer 3 small pension pots from first post into this pension pot?

kidmugsy

louloubelle79 wrote: »

I have set up AVC with Prudential, would you still say to transfer 3 small pension pots from first post into this pension pot?

To which of your NHS schemes would the AVCs be attached?

louloubelle79

kidmugsy wrote: »

To which of your NHS schemes would the AVCs be attached?

The 2015 scheme although have a couple years in 2008 scheme but left to have my children then went back 2016.

louloubelle79

kidmugsy wrote: »

To which of your NHS schemes would the AVCs be attached?

Hi have transfer forms, worth transferring into AVC account or leave be?

kidmugsy

Suppose you transfer to AVCs. Is it possible to transfer out again if you want to?

xylophone

Suppose you transfer to AVCs. Is it possible to transfer out again if you want to?

Information linked in my previous.