I should start by saying I'm not like this in any other area of my life, but over the last year or so I've become a bit concerned about my pension provision but (and I'm being utterly genuine here) have no idea what to do.
I'm 41, married, have 2 children and was made redundant from my last job whilst on maternity leave with DS1. We decided I wouldn't go back to work until DS was in school - he was premium and very poorly for the first 6-9 months. He's 4 now and we've just had DS2. We're thinking I might go back to work before he's 2 depending on nursery provision then.
I'd worked full time since graduating and paid into 3 workplace pensions - 3 jobs over 16 years of working. I've never done anything with any pension after leaving my jobs and am not sure what, if anything I should do with the funds, or how I would go about starting to do so.
Also, should I have a private pension? All I know about those is that my mother's was reduced to pennies in the 80s.
I'm mortified to sound like such a complete idiot but just have never thought beyond ensuring I'm paying in what I can to something.
All help appreciated, but I know I've been stupid, I'd be really thankful if you didn't point that out. Thanks in advance.
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Clueless about my pension(s)
4 replies
Crochetcrochetcrochet · 06/02/2019 22:25
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