Why combine your pension pots?
Throughout this website we assume that you want to combine any discrete pension pots you have built up into a single pot at the point of retirement or before (with some exceptions – see here).
The advantage of combining your pension pots is that administration and keeping track of your money will be much easier. It could also be less costly, depending on how the companies involved set their fees.
However, if you decide that you would rather keep your pension pots separate, you can still follow the steps outlined in ‘Where is my pension money?’ and elsewhere on this website, simply applying everything to each pot individually rather than to the single combined pot.
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