Looking to transfer or combine your pensions?

If you're thinking about transferring your pension then we can help you get started

Book an appointment 

Reasons why some people transfer their pension


Having all your pensions in one place can make it easier to manage your money, understand your options and give a clearer picture of how much you’ll have when you come to take your money.


There is now more flexibility with pensions than ever before. Some older pensions have strict rules around how you can take your money and how much. Transferring could give you more flexibility with your money.

Fund options

Transferring your pension may give you access to a better fund choice for you. It's important to remember with any investment, your money could fall as well as rise and you may not get back what you put in.

Leaving money to loved ones

With older pensions, once you started to take an income, it meant you couldn't leave a lump sum for your loved ones. However, with newer pensions anything left in your pension can be left to your loved ones - possibly even tax-free. 


Pension and fund charges can vary significantly. You may be able to lower the charges you pay by transferring your pension.

Things to consider before transferring your pension

Just as there are many reasons to transfer your pension, there are also a number of considerations. Talking to a financial adviser is the best way of finding out if transferring or combining your pensions is the right thing to do. In fact, you can only transfer your pension to us with the help of a financial adviser. Here are just some of the considerations they will look at:

  • Guarantees - Some older style pensions offer valuable guarantees that could be lost if transferring to another pension. Some offer an income for the rest of your life or an income and/or lump sum for your loved ones when you pass away. Before transferring, it’s really important to check what your pension offers.

  • Fund options – Your current pensions may offer you a fund or funds that are right for you. Whether you transfer or not, it's important to regularly review your fund choices as what was once the right fund to invest in may not longer be.

  • Charges – Transferring your pension could actually increase the charges you pay


Book your pension transfer appointment today

A financial adviser can let you know if transferring your pension is right for you. If it is, they can do all the hard work, set up the transfer and recommend the best funds for you to invest in. If they don't think transferring is right for you, then you'll have peace of mind that an expert has reviewed your finances and are happy you have the right pension for you.

 If you don't already have a financial adviser, then an adviser from M&G Wealth Advice can help. They offer a choice of products from Prudential, funds from M&G Investments, including sustainable options and other providers that are specially selected. This is known as a restricted advice service.

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"M&G Wealth Advice" is a trading name of M&G Wealth Advice Limited, which is registered in England and Wales. Registered office at 10 Fenchurch Avenue, London EC3M 5AG. Registered number 5739054. Authorised and regulated by the Financial Conduct Authority.