Almost 40. Never had a pension when I met him 15 years ago. First got one at 26-27 when he started a new job, just whatever they were offering. Has switched companies 4 times since then and each time has gone into their pension. One he was only in for about 18 months, longest I think is 4 years but now has multiple pension pots.
I keep asking him to get some advice on what he has and what he should be doing (I.e. should he cash out any of them and add to another existing pension, can he merge any of them as 2 are with Scottish Widows but separate etc) and see if we can get a sense of where these are all leading and whether we need to think about a private pension and basically get some financial advice for retirement and future decisions re job moves and related pensions etc.
DH thinks ‘it’s fine’ as he is consistently paying in to ‘a pension’ and it will all work itself out when he retires. Although I will admit I am also clueless about pensions this makes me v nervous and I want to know for sure. Is this how most people’s pensions are? A few years of many different ones here and there that all add up to ‘enough’ in the end?
For context I am a civil servant and have been in their pension scheme for almost 20 years. I know exactly where I stand in regards to my pension because it is nice and simple. My pension is good but I don’t want it to be all we have to rely on in retirement because DH’s pensions are worth fuck all.