Many pensions, how do I combine them?

[Footprintsinthegrass]

Morning all, I've got 3 small pensions (I really do mean small) from jobs I've had over 15years, my new job has just asked me to sign up to their pension but I'd like to combine all the others into this one, how do I go about it? Can the pension company do it for me or do I have to?

In total the others will have no more then 5k combined as I've always worked PT aswell as having income from self employment. I've been terrible at looking at pe sion stuff before but really want to get on top of it now

Also, if I have a work placement pension can I add funds to it separately? I'd like to add some of my self employed income but maybe I do need a second one?

If you phone the pension company you want to transfer to they should be able to give you an application form to send to them and then they will contact the old scheme and organise the transfers.

You can use something like Nutmeg to combine your pensions and then make additional contributions.

www.nutmeg.com/pension-transfer

Morning take a look at Pension Bee

Join your employers scheme, then when established, as a pp said, ask them how you transfer other pensions in.

It will be a form filling exercise, but it could then take a few months to complete.

My DS transferred a small pension from his pandemic retail job (~6mths contribution) into his graduate job scheme last summer and I think it was at least 4mths from start to finish.

Also, once you are in the employer scheme, logon to their pension website and ensure that your contributions are not just going to a default, low risk fund. Choose higher risks funds, assuming you

I had two workplace pensions from old jobs and my one with my current employer. The one with my current employer is Aviva, and if you log into their portal they have a form you can fill out where you give details of the old pensions (providers, account number, amount to transfer). I’d been meaning to do it for years but assumed it would be a massive faff - it really wasn’t.

That’s just for standard workplace pensions though, I think if you have any special benefits you might lose by transferring out of the old accounts (final salary settlement or something) then you need to speak to an IFA.