Work pension advice

sultan123

Grumpy_chap said:

sultan123 said:

Is there option to transfer out though?

You asked that specific question several times.
The answer given several times is to check the details of your exact scheme with your employer / Scottish Widows.

Most pension schemes will allow partial transfer out or transfer out and close.
The Scottish Widows websites indicates they offer partial transfer out or transfer out and close for most of their schemes.
No-one here can say whether the scheme you will be joining offers the transfer out that you desire.  
Often, if the transfer out is not available, that might be a good thing if it indicates guarantees that would be lost on transfer.

I think you may be over-thinking the situation.
The employer contributions are probably only available to the Scottish Widows scheme.
The Salary Sacrifice is available through the employer.
Take the job, make the desired level of SS.
Worry about what to do with the pension when you have accrued an amount in there and / or leave the employer.  At that point, you may decide to transfer whatever other pension you have into the Scottish Widows scheme rather than the other way around.

Good luck in the new job

Thanks will go with this

Prism

Scottish Widows isn't too bad for a workplace pension - my wife uses it. It has pretty low fees, an ok range of passive multi-asset funds, a few select active funds including some Baillie Gifford ones and hers at least allows partial transfers out. They have recently updated the pension management portal so it is easy to navigate, change funds and assign beneficiaries.