Advice for Aviva Pension

DRS1

https://forums.moneysavingexpert.com/discussion/comment/82005941#Comment_82005941

It is not advice; it is asking a factual question about features of the OP's existing plan. Just as an example when I used Retirement Line to buy an annuity in 2024 they suggested I should ask the following questions of the pension companies operating the pensions I was using to buy the annuity:

"Does this pension plan have any safeguarded benefits? For example Guaranteed Annuity Rates (GAR), Guaranteed Minimum Pension (GMP) or Protected Tax Free Cash?
Does this pension plan have any penalties for transferring? For example, Exit Penalties or Market Value Adjustment?
Are there any other benefits attached to my pension plan which would be lost on transfer?
Do I require transfer forms or can transfer of funds be made by ‘Origo’ transfer. (Origo transfer allows the pension providers to communicate directly without the need to complete any further paper documentation)."

I don't think the OP would need to bother about the last question if staying with Aviva but I think the others would be relevant to any transfer.

Marcon

As you phrased it, the question most definitely does constitute a request for advice! Requests for specific information are a different matter, but it's highly unlikely a helpdesk operator would have all the information relating to such an elderly contract.

dunstonh

A lot of the time, it comes down to phrasing.

If you ask, "Are there any safeguarded benefits such as GMP or guaranteed annuity rates?" They will answer that questions explicitly as it's a statement of fact.

If you ask, "Will I be losing out on anything by transferring out of the old plan?", then that's a vague question that would more likely fall under advice because it's personalised and non-specific. They won't know if you are losing out on anything if they haven't ascertained your situation first.