Thinking about moving a 年金? A ありふれた mistake on 料金s can cost you dear
- Savers often stack up a lot of 退職 マリファナs during their working lives
- It is いつかs, but not always, 有益な to 合併する them?
- Are YOU considering moving a 年金? Find out what to check below?
Savers often stack up a lot of 年金 マリファナs during their working lives
Nearly three ４半期/4分の1s of people who recently moved a 年金 did not check the 料金s 告発（する），告訴（する）／料金d by either their old or new 計画／陰謀s first, 研究 明らかにする／漏らすs.
That is にもかかわらず the staggering difference even a small 百分率 増加する in 告発（する），告訴（する）／料金s can make.
A rise from 0.4 per cent to 0.75 per cent could take a £70,000-加える chunk out of a 可能性のある £870,000 マリファナ - see below.?
Savers often stack up a lot of 退職 マリファナs during their working lives.
It is いつかs, but not always, 有益な to 合併する them with your 現在の workplace provider or move them to a 私的な 年金 provider.
料金s are one of the 最高の，を越す items to check before deciding, but many savers are unaware of how much they are 支払う／賃金ing or how small differences in costs can have an outsize 衝撃 on their 結局の マリファナ, によれば People's 共同.
The 年金 provider, which 調査するd 1,000 people who had moved an 投資するd 退職 マリファナ without the help of a 財政上の 助言者 over the past two years, 設立する 11 per cent were unaware their 年金 had any 告発（する），告訴（する）／料金s.
Some 72 per cent who did this were unaware what the 料金s were on their previous or 現在の 年金s.
> What to check before moving a 年金? Read our guide and find tips below
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The People's 共同's 分析 shows you could 結局最後にはーなる with a マリファナ tens of thousands of 続けざまに猛撃するs smaller if you don't 支払う／賃金 attention to 告発（する），告訴（する）／料金s.?
For example, a 30 year old 収入 £30,000 who moved a £10,000 年金 マリファナ from a provider 非難する 0.4 per cent to one 非難する 0.75 per cent could see £32,900 wiped off a 可能性のある?£453,700 マリファナ when they retired at 67.
They would be 負かす／撃墜する £59,500 if they moved a £50,000 マリファナ under the same circumstances. If they earned £45,000 and moved a £50,000 年金, the 衝撃 of 告発（する），告訴（する）／料金s would be £72,700.
This assumes total 出資／貢献s are 8 per cent of salary, 行う インフレーション is 3.5 per cent, 投資 returns are 5 per cent and インフレーション is 2.5 per cent.
PP also 設立する that 50 per cent of those 調査するd did not think it was 平易な to 跡をつける 負かす／撃墜する the 料金s they were 存在 告発（する），告訴（する）／料金d on their 年金s.
It recommends searching your provider’s website first and if the （警察などへの）密告，告訴（状） is not readily 利用できる （犯罪の）一味ing up to ask what you are 存在 告発（する），告訴（する）／料金d.
But PP 追加するs that the 年金 産業 needs to be more transparent and should help savers understand 重要な （警察などへの）密告，告訴（状） when transferring マリファナs to 妨げる them making detrimental 財政上の 決定／判定勝ち（する）s.
長，指導者 (n)役員／(a)執行力のある officer Patrick ヒース／荒れ地-Lay says: 'While there are many factors that can make a 年金 attractive, the two 根底となる 面s are 投資 returns and 告発（する），告訴（する）／料金s.
'Unfortunately, very few people know 正確に／まさに what they are 存在 告発（する），告訴（する）／料金d for their 年金s and they are 存在 let 負かす／撃墜する by an 産業 that doesn’t make this （警察などへの）密告，告訴（状） 平易な to find or understand.
'If people can’t make an 知らせるd 決定／判定勝ち（する） about the value they are 存在 申し込む／申し出d by different providers, they 危険 losing thousands of 続けざまに猛撃するs from their 退職 マリファナs.
'Our 研究 shows the real-world 衝撃 of small differences in 百分率s are incredibly hard to しっかり掴む.'
Why do savers decide to move 年金s??
Source:?People's 共同 調査する of 1,000 people who moved a 年金 in the past two years
Are YOU considering moving a 年金?
The People's 共同 申し込む／申し出s the に引き続いて tips.
- If you are thinking of 強固にする／合併する／制圧するing your 年金 because you are changing 職業s or want your 年金s in one place, ask yourself what is most important to you when you retire and find a provider that will help you to 会合，会う your long-称する，呼ぶ／期間／用語 goals.
- Lots of providers will enable you to 強固にする／合併する／制圧する your 年金s, but there are big differences in the 料金s they 告発（する），告訴（する）／料金 and, in some 事例／患者s, the 投資 returns they 生成する, which will 衝撃 how much you have saved at 退職 age.
- There are three 核心 areas of value when considering a 年金 provider: What is their most 最近の 跡をつける 記録，記録的な／記録する on 投資s? What sort of organisation are they ーに関して／ーの点でs of the help they 申し込む／申し出 and how contactable they are? What they will 告発（する），告訴（する）／料金 you?
Six maths lessons everyone can learn to get richer?
Money 専門家 Becky O'Connor of PensionBee 明らかにする／漏らすs the most useful - and profitable - real world sums.
構内／化合物 growth, which 生成するs 大規模な 伸び（る）s the longer you save and 投資する, is lesson number one... so what are the others?
- 告発（する），告訴（する）／料金s are 一般に 表明するd as a 百分率. Don’t think that the difference between seemingly small numbers is insignificant because the fact is you could have to work longer to get the value you are looking for to support you in 退職.
- There can be 重要な variation in 料金s between providers. You might also want to ask are there any 刑罰，罰則s you may have to 支払う／賃金 should you decide to move on in the 未来. There are other areas you can look at, any special 条件s you could give up, such as what age you can 接近 you 貯金 with your new provider.
- Don’t 落ちる for the first advert you see. Most people either talk to their 存在するing provider about 強固にする／合併する／制圧するing or 答える／応じる to the first advert they see but it 支払う／賃金s to do your homework.
- Ask your 現在の 年金 providers, and any that you are considering switching to, to send you simple, 平易な-to-understand （警察などへの）密告，告訴（状） about the 料金s they 告発（する），告訴（する）／料金, with examples to bring this to life.
- There is 独立した・無所属 help at MoneyHelper [a 解放する／自由な, 政府 支援するd money service].
What should you consider before moving your 年金s? A 10-point checklist
合併するing 年金s is not always advisable because you can 危険 losing 価値のある 利益s. Here's what to check before making a 決定／判定勝ち（する）.
1. 料金s on old and new 年金 計画／陰謀s
As explained above, you should check 告発（する），告訴（する）／料金s as they can make a serious dent in your 未来 returns.
2. Where are your 年金s 投資するd
P ast returns are not a guide to the 未来, but you should 調査／捜査する where your money will be held. Read our guide to carrying out a healthcheck on 投資s.
3. A 私的な provider versus your work 計画／陰謀
年金 consolidation 会社／堅いs have sprung up to help people manage all or most of their 年金s in one place, and this can be cheaper 同様に as more convenient.
However, your 現在の workplace 計画／陰謀 might have 交渉するd lower 料金s and rolling up your older 年金s there might be even handier if you want to 削減（する） 負かす／撃墜する on admin.
STEVE WEBB ANSWERS YOUR PENSION QUESTIONS
- Can I get my 私的な 年金 at 55 予定 to this bizarre birth year quirk?
- I'm strug gling to 攻撃する，衝突する a tight 最終期限 to turn six 年金s into a £17,500-a-year annuity
- Why did DWP say my mum, 90, was 借りがあるd £60k in 明言する／公表する 年金 - when that was 誤った?
- How do I 跡をつける 負かす／撃墜する a long lost 年金? Steve Webb's five 最高の，を越す tips for finding old マリファナs
- Will 明言する／公表する 年金 become means 実験（する）d if you own 所有物／資産／財産 or have 私的な 年金s?
- I paid NI for 45 years so don't I get a 十分な 明言する／公表する 年金 - please explain?
- I'm 84 and don't have a 国家の 保険 number - can I get a s tate 年金?
- I've got £213,000 in my 年金 マリファナ, what do I need to do before I 攻撃する，衝突する 75?
- I take £3k a year from my £50k 年金 マリファナ - should I buy an annuity?
- Can I stop an old 財政上の 助言者 taking £60 a month from my 年金?
4. 保証（人）d annuity 率s
If these are high it can be 価値（がある） sticking with an old 年金 and using it to buy an annuity.
You have to get paid 財政上の advice to move a 年金 価値（がある） £30,000 加える with a GAR 大（公）使館員d.
5. 保証（人）d 基金 returns
These are rare but it is 価値（がある） checking the small print to see if you 利益.
6. Bigger lump sums
Some older company 年金s 許す you to take a 税金-解放する／自由な lump sum of more than the typical 25 per cent.
7. Large 出口 刑罰，罰則s
Most default work 年金 基金s are trackers with cheap 告発（する），告訴（する）／料金s these days. If you have a 高くつく／犠牲の大きい old 年金 with 制限する 投資 choices you could 重さを計る the 利益s of moving にもかかわらず 刑罰，罰則 料金s.
出口 料金s are capped at 1 per cent after you reach the age of 55.
8. 現在進行中の 雇用者 出資／貢献s
You will be getting 解放する／自由な 雇用者 出資／貢献s into your 現在の work 計画／陰謀, and you don't want to lose that cash coming into your マリファナ.
9. 保護するd 年金 ages
It depends on the 計画／陰謀 支配するs so check them, but you might not want to lose the 適切な時期 to 接近 a 年金 at 50, 特に if you have several others which will kick in later.
10. Final salary 年金s
Outside the public 部門, generous final salary 年金s 支払う／賃金ing a 保証（人）d income until yo u die, 加える 価値のある death 利益s to 生き残るing spouses, have 事実上 been wiped out.
They are the most generous and safest 年金s 利用できる. You are 要求するd to get paid-for 財政上の advice if your 移転 value is £30,000-加える, which is a 長年の 保護（する）／緊急輸入制限 against making mistakes you can't take 支援する later.
> Should you 連合させる your 年金 マリファナs? Read our 十分な guide
