65 next month. Invest or leave the pension as is?

cheapopete

So, Aviva have written to me saying whatcha gonna do with your 3 pensions of approx £11,000.00 in value. (Yes they could have been biggr, I'm crap with money)
Well, I haven't finished paying this mortgage by a long stretch, (2 re-motrgages in 17 years) so will keep on working for now.
But now I'm wondering, are there better options than leaving it with them. Could the money be better served elsewhere, or is it too much malarkey?
I'm totally, did I mention this before, crap when it comes to money and have no patience for paperwork, so feel inclined to leave the £10,000 and just take the two smaller amounts as cash.
How I ended up with three pensions will be revealed when I phone them next week.

And I think I may have another from a previous employer. So I'll be phoning them too.


Does anyone have some ideas that might be simple enough for a simpleton?
:EasterBun

Alice_Holt

May be worth booking an appointment with Pension Wise to get an overview of the options open to you.

xylophone

And I think I may have another from a previous employer. So I'll be phoning them too.

A Defined Contribution pension? A deferred Defined Benefit Pension?

https://www.moneyadviceservice.org.uk/en/articles/defined-benefit-schemes

Options with your DC pension(s) - see

https://www.pensionwise.gov.uk/en/appointments

Have you checked on your state pension situation?

https://www.gov.uk/new-state-pension

cheapopete

Alice_Holt wrote: »

May be worth booking an appointment with Pension Wise to get an overview of the options open to you.

Thanx Alice, I may do that after speaking to Aviva next week.
Can't find our company on the current Gov pension search website. And the "dasboard" isn't even up, even though they are now thinking about scrapping it! :rolleyes:

cheapopete

xylophone wrote: »

A Defined Contribution pension? A deferred Defined Benefit Pension?

https://www.moneyadviceservice.org.uk/en/articles/defined-benefit-schemes

Options with your DC pension(s) - see

https://www.pensionwise.gov.uk/en/appointments

Have you checked on your state pension situation?

https://www.gov.uk/new-state-pension

Thanx Xylo, I have no idea what those pension types are. The Gov pension tracing service that I just tried doesn't even recognize our company name even though we've been incorporated since 1997. Doh!

cheapopete

I'll also be talking to our bloke in the office who took over pensiony sort of things next week.

cheapopete

Alice_Holt wrote: »

May be worth booking an appointment with Pension Wise to get an overview of the options open to you.

Would be nice, but I can't find anywhere taking appointments locally. 27 miles from Exeter is the best I can see. I might have to go for it in the end though.

xylophone

I have no idea what those pension types are.

See link which explains.

eskbanker

cheapopete wrote: »

Alice_Holt wrote: »

May be worth booking an appointment with Pension Wise to get an overview of the options open to you.

Would be nice, but I can't find anywhere taking appointments locally. 27 miles from Exeter is the best I can see. I might have to go for it in the end though.

Given your ability to use t'internet, I presume that telephony has reached your part of the country?

https://www.pensionwise.gov.uk/en/book-phone