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  • 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.

  • I've asked about pension consolidation before, probably in the Investment thread or similar. There were probably some useful replies. I've not consolidated them.

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