Old workplace pots: find them and consider combining

5 chapters·14 min·action plan·mastery check

Chapter 1 of 5

The idea

Change jobs five times and you may have five pots — some forgotten, some expensive.

Why it matters

Old pots can sit in high-fee default funds. Combining into one low-cost plan can cut fees and make planning simpler. But check first: some old plans have valuable guarantees or exit fees you'd lose by moving.

Predict first

About how many 'lost' pension pots are estimated to exist in the UK?

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