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Step 1: where is my pension money?

You may have various pots of savings. You may even have lost track of some of them. Here we explain how to find and combine them.

You’re probably going to need to move your disparate pots of pension savings into one amalgamated account (here’s why) ready for you to invest with a view to providing your retirement income.

These are the steps you’ll need to take.

◆ Establish what you have in your existing pension pots

◆ Check whether there are any reasons to keep your existing pensions where they are

◆ Choose the firm (‘platform’) where you will hold your amalgamated pension pot – this is the subject of Step 2.

◆ Establish the costs involved, if any, in transferring your money from your existing pots to your new platform

◆ Choose whether to transfer your investments as they are, or as cash

◆ Move your money to your chosen platform


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