Royal London fees - sanity check my understanding please

Albermarle

Beddie said:

Qyburn said:

dunstonh said:

I think you have a pre-RDR GPPP with old fashioned charges which would not only be bettered by a modern RL PPP but also other modern alternatives (in respect of charges)

Cheers, it could easily be the case that the company set up the plan before 2013. In reality I don't think it matters much how the current charges arose. As long as I know I'm comparing apples with apples I think this might push me into transferring. 

As someone else said, speak to RL and they can probably move you to a more competitive plan there and then with no hassle. They have excellent customer service in my experience.

Normally RL will only set up new pensions via a financial advisor. However not sure how that would affect a kind of internal transfer of an existing one ?