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@Greenbank
Yeah, for both of my old pensions fund value = transfer value. Either things have changed or they were non-fucky pensions to begin with.
All I had to do was fill in a web form (once for each pension) with my current provider (as I want to move those two into my current work pension). But I still needed a few phone calls to each provider to check that there was nothing special about the pension (bonuses, guarantees, etc) as that stuff is rarely listed on the website.
Easily done on my own without paying anyone. Mrs GB's consolidation will be different as there's loads, and some are bound to be tricky. We'll probably leave that one to an IFA.
Did think of a SIPP but my main old pension (with the bulk of my savings) is only 0.17% which is a bargain really.
It's another admin thing ticked off my list.