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Your guide to pension consolidation

28 Jul 26

This guide provides a clear, practical overview of pension consolidation and the factors to consider before combining your retirement savings into a single pension pot.

It explains the potential benefits of consolidating pensions, highlights situations where it may not be the right choice, and outlines key pension rules that could affect your decision. You’ll also find guidance on fees, investment considerations, retirement income planning, and how to avoid losing track of valuable pension benefits.

Download the guide to learn

  • How consolidating your pensions could make it easier to manage your retirement savings and keep track of your long-term financial goals
  • How combining pension pots may help reduce fees, improve investment oversight, and simplify retirement income planning
  • The key situations where transferring pensions may not be suitable, including defined benefit schemes and pensions with valuable guarantees or benefits
  • What potential drawbacks to watch out for, from exit charges to losing valuable pension features, before making any decisions about consolidation

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