Lump sum pension payments

[Maggiethecat]

I started to make lump sum contributions in recent years to try to catch up.
I have two which were started through previous employers and now that I do contract work I just add to these.

The Standard Life fund performed very well this year and I reckon that I’ll put a lump sum in it again by 5/4.

It is a low risk fund as you’d expect employers to use but I wonder if it is sensible to keep adding to this fund rather than spreading things (specifically pension funds) around?

You can probably change the funds within the pension if you want a different risk level. The investments within each fund should be fairly well diversified.

I wouldn't have too many separate pensions, because of the hassle factor, but it can be worth having one that stays below the 'small pot' level so you have the option of drawing that out without triggering the usual restrictions on what you can pay in after taking out.

That’s my gut feeling - to add to SL and keep the other one ticking along.
I don’t think I’ll move things around bcos I don’t really know what I’m doing.
Have an investment ISA that has lost so much money although the general wisdom is just to leave it to come good over time but it has put me off being ‘adventurous’!