I'm mid/late thirties and have a number if mortgages as a result of changing jobs every couple of years (something I now regret as paperwork is all over the place).
In summary I have: - 2 final salary pensions schemes - 2 money purchase schemes - a stakeholder pensions with high annual charges - I left previous job with less than 2 years service so was paid back pension contributions that I made so am now paying almost 1000 per month to try and make up for the almost 2 years of employer contributions lost. I cannot merge any other pensions into my current one.
Am totally rubbish with paperwork And worried that I am going to lose sight of one of these pensions.
I don't think I should combine any of the final salary pensions however do you think it would be worth combining the 2 money purchase ones? Both have the same annual charges and similar schemes so how do I compare?
The Royal London stakeholder one has high charges but I don't believe that I can combine it with the MP schemes.
Am a bit confused so any advice on what to do with these would be much appreciated please.....