- Obtain up-to-date statements and a transfer-value quotation.
- Check defined benefits, guaranteed annuity rates and protected retirement ages.
- Ask about exit penalties, market-value adjustments and contribution terms.
- Compare current and proposed death benefits, investment risk and service.
- Establish whether the receiving scheme can accept the transfer.
A simpler arrangement can still mean a loss of benefits
Consolidation may reduce paperwork, but it can also give up valuable guarantees or rights. Transfers should be reviewed on the full terms of both arrangements, not only on fees or recent performance.
If you do not know where a pension is
Start with past employers, payslips and correspondence. Ask former HR teams for the scheme or administrator details. This website gathers review information; it does not search a national database of your personal pensions.
Last reviewed: 21 September 2026. Rules depend on your circumstances.
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