Looking for advice 5 years from retirement

Albermarle

The plan itself however may not be as good a plan as my personal pension (or something I might switch to like a Vanguard Lifestyle SIPP or whatever) so I wondered about making transfers out of the Workplace Pension

A common theme we see on this forum is that many people instinctively think- Workplace Pension bad, SIPP good, but with no hard facts to back that up.

Many workplace pensions are fine for the majority and often with good employer discounts.

On the other hand SW tend to get criticised for a clunky website and poor communication, although they seem to be working on this. Also a lot of their standard funds tend to have quite a high UK %.

By all means investigate the possibilities, but make sure if you do transfer it is for the right reasons.

JohnWinder

I got my hands on Tim Hale’s book, it’s excellent.

And you can see him discussing the book on the video in this link, at the 1 hour 23 minute mark. https://rationalreminder.ca/podcast/279