Transfer three Defined Contribution pots into one?

Oppenheimer

Hello all and thanks for reading.

I joined the civil service two years ago to see me through the last 10 years of working before I retire at 60.

Following a wee promotion I decided to put the extra monthly money into the Civil Service Legal & General AVC.  This should build up nicely over the coming years and the masterplan is for the AVC to act as a bridge between stopping working and Defined Benefit pensions kicking in at various ages.

Prior to joining the civil service I had two temporary short term gigs and have therefore got the following Defined Contribution pots in limbo - please don't laugh at the sums involved because free money is free money!

Defined Contribution Pot 1 - The Pension Trust - current valuation £2,200.
Defined Contribution Pot 2 - Now Pensions - current valuation £270.

Thoughts are I will not be back at employers or sectors which will use these pension companies again.

I understand that the Legal & General fees are very low (I'm in the default fund) and The Pension Trust and Now Pensions will be very expensive in comparison.

Appreciate from an administrative point of view it will be easier to manage all via Legal & General.

Should I transfer these two pots into the Legal & General AVC?

Anything else I should consider?

Will they charge a transfer/admin fee which wipes out the value?

I was quite happy leaving these pots be and seeing what would happen but have had second thoughts.

Appreciate the sums involved won't change my life but could pay for a holiday, car insurance, family meal...

Thanks in advance.

Albermarle

Should I transfer these two pots into the Legal & General AVC?

Probably makes sense IF it is allowed.
As it is an AVC linked to the CS DB pension, there might be a restriction on transfers in ( I have no idea) but you need to check.