I have various minute pension funds all over the place from different employers - how can I consolidate them all into one fund?

Hi Rita,

One option is to pick the pension you want to consolidate them all into and complete the transfer forms so that the money is transferred.

However, I would suggest you look into them in a lot more detail before you do so.

There may be:

• exit penalties if you leave a pension

• bonus payments if you remain with a pension

• discounts on fund charges in one

• enhanced tax free cash with another

To name just a few of the benefits/costs you need to look out for.

If in doubt, ask your Financial Planner to help.

Josh