The middle aged thread

I did it based on the fees.

I had most in one of my previous employers pension that only gets 0.15% annual charges/fees. I can't transfer anything new in to it now though, and obviously I'll keep this as that's an absolute steal.

I then had 3 other pensions:

• Current employer: ~0.35%
  
• Previous employer: 0.69%
  
• Another previous employment: 0.40%
  
  

So I transferred those other two into my current pension. The 0.40% one was with the same provider so it made sense to combine, and obviously stopping paying the 0.69% annual fees was the motivator for the other.

Not worried about the temporary drop in value, the whole market has gone down, and I'm just buying cheap units now. It'll recover eventually, I'm at least 10 years from retirement so there's little point looking at daily changes in the value. I'm sticking a healthy amount in each year and there's nothing more I can do than that. Mortgage should be gone in 5-7 years so I can have a few years of some bumper contributions then.