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  • Just realised its probably time to get all my pension and life insurance stuff together in one place so it's easy to find and access for the wife in case the worst happens.

    Also, looking to consolidate the pensions as they're spread over 4 schemes and at the same time they've literally lost thousands of quid over the last year, largely due to the stupidity of Liz Truss and Kwasi Kwarteng.

  • I'd get professional advice before consolidating your pensions. The advice I got was to keep separate schemes where the value was above a certain amount, rather than merging into one. The reasoning behind this was that you're spreading your risk across different fund managers and are not completely dependent on the performance of one scheme.

    It may, of course, be different for you but something to consider.

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