Like a lot of people, you might have been making pension savings with a previous employer.

Did you know that you could look to bring them together in the Citi Plan?

You can use My Projected Pension to add in all your other pension savings, so you can get a look at the bigger picture, and decide if combining all your pension savings is right for you.

Some of the benefits of doing this could be:

  1. It's easier to keep track of all your savings if they are in one place. See our handy three-point checklist below of points to consider when transfering a pension plan.
  2. Benefit from potentially lower charges in your Citi plan. It may be that the charges in the Citi Plan are lower than in your old pension plan. You might be able to save money by transferring - see our handy 3 point checklist of points to consider when transfering a pension plan.
  3. Benefit from potentially more investment options in your Citi plan. It may be that you have access to more investment and pension flexibilities in the Citi Plan - see our handy 3 point checklist of points to consider when transfering a pension plan.

Three key things to ask your previous pension provider: 

  1. What are the charges on your previous pension savings. Are they higher or lower than the Citi Plan?
  2. Are there any penalties for transferring your previous pension savings away?
  3. Are there any benefits that you might lose if you transfer your savings away?

Getting independent financial advice is a good idea when you’re thinking about your transfer options. The following sites can help you find a list of financial advisers in your area.

 MoneyHelper

 Unbiased.co.uk

Lost a pension? Why not visit www.gov.uk/find-lost-pension and use your NI Number to find details of all pension plans in your name. 

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